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Nzoner's Game Room>Hey Small Business Owners...What are you doing to ride the storm out?
Trivers 09:25 AM 03-26-2020
How are you handling HR issues?

Are you applying for SBA loans?
There are several types of loans. And new info is appearing daily.

Capital up to $10MM.
Up to 30 years to repay. Some actually are forgivable.
3.75 to 4%

https://disasterloan.sba.gov/ela/

https://www.inc.com/kevin-j-ryan/sma...incthismorning



My world: Everyone at the software companies are working remotely. The chocolate factory shut down yesterday due to not be considered an essential business. The chocolate elve had already left due to health concerns. I handle all the commercial rentals myself so no impact:

I don't intend to lay-off anybody...if this stretches into June or July...then we may look at cutting salaries by 25 to 50%. With the $1,200 everyone is getting already from the gov, and the 4 month unemployment (+$600/week additional), if we have to do layoffs, then the Team will not be totally without funds.

What are you doing to ride the storm out?
[Reply]
mililo4cpa 11:26 AM 01-08-2021
Originally Posted by Buehler445:
So I got this from here.



Am I reading this right, that if I have any quarter in 2020 that's less than the same quarter in 2019, I'm eligible for PPP2?
I think you are reading this correctly.....this is similar language the SBA uses for EIDL loans ties to hurricane damage, natural disasters, etc.
[Reply]
Mr. Plow 12:25 PM 04-01-2021
A little over a year later, wanted to check in on everyone. How did the year go?
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Bugeater 12:29 PM 04-01-2021
I died from teh Covid a few times. Other than that, it went swimmingly.
[Reply]
notorious 12:33 PM 04-01-2021
Busier than ever.

Need two employees badly. Hoping for a Mennonite miracle.
[Reply]
IA_Chiefs_fan 12:35 PM 04-01-2021
We broke all kinds of revenue records over the past twelve months. We had a 3-4 week downturn last March/April and sales have been insane ever since. Pre-covid there were 31 of us and now there are 36. Adding five jobs during a pandemic is pretty cool.
It has been extremely difficult trying to keep up with COVID requirements and best practices but we've gotten through. I've mostly had a great supporting cast. One shithead threatened legal action over us just trying to keep everyone as safe as possible. I no longer employ him, for a completely unrelated reason, of course.
[Reply]
Mr. Plow 12:47 PM 04-01-2021
Originally Posted by Bugeater:
I died from teh Covid a few times. Other than that, it went swimmingly.
:-)

Who hasn't died once or twice from Covid?
[Reply]
Mr. Plow 12:53 PM 04-01-2021
Originally Posted by notorious:
Busier than ever.

Need two employees badly. Hoping for a Mennonite miracle.


Originally Posted by IA_Chiefs_fan:
We broke all kinds of revenue records over the past twelve months. We had a 3-4 week downturn last March/April and sales have been insane ever since. Pre-covid there were 31 of us and now there are 36. Adding five jobs during a pandemic is pretty cool.
It has been extremely difficult trying to keep up with COVID requirements and best practices but we've gotten through. I've mostly had a great supporting cast. One shithead threatened legal action over us just trying to keep everyone as safe as possible. I no longer employ him, for a completely unrelated reason, of course.

This is great to hear. We had similar experience. Started out with 31 employees, now up to 36 because the volume is just crazy. Bought & remodeled a new building to expand into. Glad to hear others have had success this past year. I know local contractors & such are booked out just from the volume of jobs they are getting.
[Reply]
Buehler445 01:31 PM 04-01-2021
Better than I expected. I ended up in the black despite having no business producing a single dryland bushel. Lucky is better than good.

Prices have recovered. That helps. Steel prices have put a stop to the machinery upgrades I was going to make. That doesn’t help. Got my fertilizer bought right (it has went crazy) and some chemical bought right.

All in all I’m pretty fortunate.
[Reply]
mililo4cpa 05:11 PM 04-01-2021
I'd say a lot of my clients were very fortunate for sure.....I'd like to think I helped with that. But there were a few that were severely damaged.....all survived though, and have a fighting chance....but that may only go so far as PPP will take them.
[Reply]
BigRedChief 06:26 PM 04-01-2021
Originally Posted by IA_Chiefs_fan:
I've mostly had a great supporting cast. One shithead threatened legal action over us just trying to keep everyone as safe as possible. I no longer employ him, for a completely unrelated reason, of course.
any employee threatens legal action against his employer, especially over trying to promote workplace safety deserves to be fired. For a completely different reason, of course. . :-)
[Reply]
Mr. Plow 08:16 PM 04-01-2021
Originally Posted by mililo4cpa:
I'd say a lot of my clients were very fortunate for sure.....I'd like to think I helped with that. But there were a few that were severely damaged.....all survived though, and have a fighting chance....but that may only go so far as PPP will take them.
Hopefully things turn around for them.
[Reply]
Hammock Parties 11:28 AM 05-06-2021
Just got a PPP Loan :-)

#socialism



Unfortunately they literally just ended new applications. Got in in the nick of time!
[Reply]
ghak99 12:29 PM 05-06-2021
Business would be going much smoother if they'd kick a bunch of lazy motherfuckers off unemployment.
[Reply]
FlaChief58 06:50 AM 05-07-2021
Originally Posted by Mr. Plow:
:-)

Who hasn't died once or twice from Covid?
I did, but I didn't know it until they did the autopsy to diagnose me
[Reply]
Hammock Parties 11:06 AM 05-07-2021
:-)

the PPP loan forgiveness process is fucking awesome if you have a smaller loan and you're a sole proprietor or independent contractor

literally when you're ready for forgiveness THEY contact YOU and send you the form filled out and you just have to sign it

boom done, free money 4u

:-)

you don't even have to submit any bank statements...not a single document

it's not a loan...it's a grant...and it's not taxable....which means i paid next to nothing in taxes this year :-)
[Reply]
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