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Aaron thank you for hosting this meeting this afternoon awesome thanks Beth thanks out going for making it you can see my name is Aaron bercovich and with the board here at the green chamber and today we have an awesome guest sari from the SBA to teach us a little bit about how to find what's available you know as far as assistance right now you know given everything that's going on and we have a lot of uncertainties that being said the presentation that they have a PowerPoint that she's gonna be reading off of so we're not gonna see anything but we are going to be listening to her for instructions because things are changing rapidly so this is a I believe the most up-to-date information that they have for us right now so and then if you do have any questions please wait till the end of her presentation that's gonna get about 3540 minutes until it's our turn to ask questions and please mute your computers and your phones while she's speaking now with that billion you can take over hello and good afternoon to everybody that is attending this webinar I'm very pleased and happy to be with you today my name is Lilia Gomez and I'm with the US Small Business Administration I am an economic development specialist and I have been with the agency for over 30 years in man the agency has been around for over 55 years since 1953 it was created for small businesses to keep our economy strong and healthy and we pit in around for that many years to do that so it's my pleasure to be here with you today and what I do want to provide you with if you don't take anything away from this tell our webinar I'm sorry I've always in person looking up people I'm looking at screen right now but anyways if you don't take anything else away from my presentation today I want you to write down two things our website is SB a govt that is the website that you need that you can have that will be very handy for you to go back and look at all the information that I'm going to be sharing with you today also there's a disaster assistance number that I want you guys to also take down and that number is 1-866-376-8255 i the e i dl okay to ease your fears about keeping up with your payments on your current potentials be alone the small business if the small business also has a debt relief program that can also help you so just in case you already have an an SBA loan a 7a the 504 and Express loan this also is going to help cover you to defer your loan payments okay just some quality free counseling just some here here is also some free counseling that will be a to that we'll be able to help you with during these uncertain economic times and as well as to help you prepare the application assistance that you will need and of course all of you I hope you all know that we have some excellent resource partners out there that I'll share to you later on in or in my presentation but some of you might already know them we have our school counselors we have our SBDCs we have our Women's Business Center Orly box our ptex those are the ones that you guys can reach out to to get the assistance that you need to help you with this application process or answer questions so the small business payment protection program loan the program would provide a sh flow assistance through 100% federally guaranteed loans to employers who maintain their payroll this emergency if employers maintain their payroll the loans will be forgiven that's a really important key for you guys to remember PPP will now refer to as a payment protection um a paycheck protection program I'll be referring that as a PPP has a host of attractive feature such as forgiveness for up to eight weeks of payroll based on employees retention and salary levels no SBA fees and at least six months of deferral with Maxo with a maximum of deferral of up to one year small businesses and other eligible entities will be able to apply if they were harmed by the co vid 19 between February 15 2020 and June 30th 2020 this program will be retroactive to February 15 2020 in order to help bring workers who may have already been laid off or back laid off or bring them back back onto the payrolls loans are available through June 30th 2020 so keep that in mind so where do we find this information the payroll of the PPP will be found in @ww SP a govt back slash paycheck protection the a check protection authorizes up to three hundred and forty nine billion in forgivable loans to small businesses to pay their employees during the kovat Kron 19 crisis along terms will be the same for everyone across who is filing for the loan or requesting the loan the loan amounts will be forgiven as long as the loan proceeds are used to cover payroll costs and most mortgage interest rent and utility cost over the period of eight weeks after the loan is made so once that loan is made the clock starts ticking on the on the period of how long that's gonna be forgiven for employees and compensation levels are maintained so you must keep your employees and compensations level maintained payroll costs are capped at a hundred thousand due to likely high subscription it is anticipated that not more than 25% of the forgiven amount may be for non payroll costs loan payments will be deferred for up to six months we just want you guys we were repeating it because we want you to make sure that you capturing the importance of the PPP businesses and entities have been in and been in operations on since February 15 2020 so small business concerns as well as any business concern a 501 C 3 nonprofit organizations or a 501 C 19 veterans organizations or a tribal business concern described in the section 31 BC b2c that has fewer than 500 employees or the application size standard in the number of employees for the North American industry classification system industry as provided by SBA if hire so if your business has more than 500 this is where you're going to be searching for that information okay you still may be eligible if you have more than 500 employees individuals who operate a sole proprietorship or is an independent contractor and eligible and eligible self-employed in individuals so they also qualify for this PPP and keep this concerned that employees not more than 500 employees per physical location of the business concern and that is assigned a next code beginning with 72 for which the affiliation rules are waived so this is - a little bit more detailed information as far as the number of employees that you have as well as your next code and that we're here to help you with those specific questions because those are like what am I going to do if I have 600 employees okay so we're here to help you with those specific questions affiliation rules there also wait for any business concern operating as a franchise that is assigned a franchise identify identifier code by the administration and company that receives funding through the small business investment companies so if you are affiliated or if you have some sort of affiliation you have a franchise then that's gonna work a little bit different but it's also going to be able to be covered under this PPP PPP eligibility concerns in general 501 C 3 and 501 C 19 nonprofits with 500 employees or fewer most nonprofit SBA site standards are based on revenue not employee number okay that's what a lot of the individuals are ask us well it's a small business well you're probably gonna be a small business if you're not like one of those Apple stores or yeah a little kind of stores so so just keep that in mind religious organizations are now eligible but with few few future guidance that's coming down the pike for them okay so just just so you know to let you know PPP loans how so you're probably asked how much money is it gonna be available for us with that depending on your business situation the loan size will be calculated in different ways so the maximum loan size is always ten million if you were in business if you were in business February 15 2019 through January 30th 2019 your max loan is equal to two hundred and fifty percent of your average monthly pay roll costs during that pay period you if your business employs seasonal workers you can opt to choose March 1st 2019 as your time period start date if you are not in business between February 15 2019 through January June 30th 2019 your max loan is equal to 250 percent of your average monthly payroll cost between January 1st 2020 and February 29 20 20 so these dates get a little bit complex as well as the number of employees and all that stuff but please reach out to us or one of our resource partners that can help you understand this a little bit more okay if you took out an economic injury disaster loan so they the the briefie a shin for that loan is e i dl so we have the PPP and the eid al between February 15 2020 and June 2013 20 20 and you want to refinance that loan into a ppl loan you would add the outstanding loan amount to the payroll sum so this is really an important for you to know that one loan can't roll into the other it's you as a small business owner on you have choices options as how you want to request your loans for this situation this present situation so the ppl loan what do I need to apply so I'm going to give you some information on what you will need you will need to complete the pay roll protection program loan application and submit the application with the required documentation to an approved lender that is available to process your application by June 30th 2020 and let me put here there are many many many lenders right now that have already signed up for this loan program the PPP but there are still some men that are saying hmm I'm not too sure if this is what I want what's the deal how am I going to get paid is there a guarantee so there's still some questions out there with some of our lenders that are still trying to work that out but most of the lenders out there are going to be as assisting with the ppl loan what are the documents will I need to include in my application you will need to provide your lender with your payroll documentation do I need to first look for other funds before applying to this program no we are waiving the usual SBA requirements that you will you will try to obtain some or all of the loan funds for from some other sources okay so if you really don't need to look anywhere else you can just go straight or e EDA loans or PPP loans how long will this program last although the program is open until June 30th 2020 we encourage you to apply as quickly as you can because there is a funding cap and lenders need time to process your loans how many loans can I take out under this program you're probably asking only one what and see I think that's already changed so I will get back to you Erin on if that has already changed okay what can I use these loans for so for the ppl loan you should use the proceeds from these loans on your payroll costs including benefits interest on mortgage obligations incurred before February 15 2020 under lease agreements in force before February 15 2020 and utilities for which service began before February 2020 and the reason why we specifically include these dates is the following for the following reason my businesses that just got started in March March 2020 and they just started they're new they just started at their new on business well guess what they're going to be eligible for all of these different types of our the for the cost that include on their new business okay payroll explained what counts as payroll cost payroll cost include salary wages Commission or tips that should be capped at 100,000 based on each person's annual income employees benefits include cost for vacations parental family medical or sick leave allowance for separation or dismissal payments required for the provision of group health plan healthcare benefits including insurance premiums and payments for any retirement benefits so all of this is included state and local taxes assessed on compensation and for a sole proprietor proprietor or independent contractor wages Commission's income or net earnings from self-employment capped at 100,000 on an annualized basis for each employee how much of my loan will be forgiven you own ma you owe money when your loan is due if you use the loan amount for anything other than payroll cost mortgage interest rate rent I'm sorry and utility payments over the eight weeks after getting the loan due to highly due to highly unlikely high subscription it is anticipated that not more than 25 percent a year of the forgiven amount may be for non-payroll cost you will you will also owe money if you do not maintain your staff and payroll so this is what they're going to be looking at the lenders very closely to make sure that you are keeping your employees you know the payroll status number of staff your loan forgiveness will be reduced if you if you decrease your full-time employees headcount and they will find out if you have okay so level of payroll your loan forgiveness will also be reduced if you decrease salaries and wages by more than 25 percent for any employee that may made less than a hundred thousand annualized in 2019 rehiring you have until June 30th 2020 to restore your full-time employment and salaries level for any changes made between February 15 2020 and April 26 2020 ppl loan forgiveness how can I request loan forgiveness you can submit a request to the lender that is servicing the loan the request will include documentation that verify the number of full-time equivalent employees and pay rates as well as the payment on eligible mortgage lease and utility obligations you must certify that the document are true and that you used that in that you use the forgiveness amount to keep employees and make eligible mortgage interest rent and utility payments the lender must make a decision on the forgiveness within sixty days so it's a very good and from point that you keep in touch with your lender make sure that every you both are on the same page okay what is my interest rate the interest rate is 1% fixed rate for this ppl PP loan forgiveness when do I start paying interest on my alone very important all payments are deferred for six months however interest will continue to accrue over this period so that 1% will continue to increase but you will not have to make the first payment until six months after you have received a loan when is my more when is my loan due in two years so in two years from the time that you receive your loan it will be due can I pay my loan earlier than two years yes there are no pure payment penalties of or fees let me read that again can I pay my loan earlier than two years yes there are no prepayment penalties or fees do I need to pledge any collateral for these loans very important no no collateral is required do I need to personally guarantee this loan no there is no personal guarantee requirement if the proceeds are used for fraudulent purposes the US government will pursue criminal charges against you that's not going to happen to this group small business debt relief program so the small business is required to pay the principal interest in any associated fees owned on a 7a or a5 504 loan in regular servicing start servicing starting with the next payment due for both existing or new borrowers as we were saying goes to those two loans that if either any of you guys have received one of these loans that's what's going to be the scenario for these two loans existing borrows nut borrowers not on deferment six months of payment or principal interest and any associated fees begin with the next payment due on the loan at zero existing borrowers on deferment six months of payment of prints interest and in so CA ending with the next payment due on the for the deferment period and you borrowers six-month wins of principal interest and any associated fees beginning with the first payment one of the loans but only few loans made within the first six months starting with starting from the date of enactment so this is what what I just said right now is on this is a special SP Debt Relief Program for anybody that has received either 7a loan or a 504 loan if you have not received one of these loans this does not pertain to you okay SBA economic injury disaster loan so this is their loan t
at the SBA has put out so the eligibility for this Eid L is businesses with fewer than five employee cooperatives SBA Small Businesses tribal spas is with fewer than 500 employees sole proprietors independent contractors most private nonprofits must be must have been in existence as a sense or on before on or before January 21st 2020 so in order for you to qualify for this Eid a alone you must have been in existence on January 21st 2020 SBA economic injury disaster loans here are the loan para meters the maximum a IDL is a two million working capital loan at a rate of 2.75 percent for businesses and 2.75 percent for nonprofits with up to 30 year term a 30-year term payments the virus ei are deferred for 1 year so ppl loans are 6 months this one is deferred for up to 1 year up to 200,000 can be approved without a personal t-that is not bad people approvals can be based on a credit score and no first-year tax returns are required borrows do not have to prove they could get credit elsewhere else elsewhere no collateral is required for loans of twenty five thousand or less for loans of more than 25 thousand general security interests in business assets will be used as collateral instead of real estate the borough's must the borrower's must allow the SBA to review its tax records so it is going to ask for your tax records because they want to make sure that there's some income that you have had in the last three years and that this will eventually get paid okay that's why they want the tax records small business economic injury disaster loans emergency now get this this is really important there is an emergency $10,000 in advance eligible applicants for the Eid L can receive a a ten thousand emergency grant within three days of the applications but let me go ahead and expound on this okay it's not that everybody that applies for the Eid L loan is going to get an automatic $10,000 emergency it can be up to ten thousand dollars it's all going to depend on the amount employees that you have the amount payroll that you're paying out and things like that how much rent is due for the last month and this month and the next month so that's what's going to be taken into consideration when we say it's an emergency grant that means that this amount of money if you get up to ten thousand dollars for the emergency amount of money you will not have to pay that back so whether you get fifteen thousand or you get five thousand or you get to the ten thousand you will not have to pay this back that's a sweet deal I will say sweet deal there is no obligation to repay the grant to receive the ten thousand emergency grant it is necessary to have an approved a IDL loan however you are able to secure a PPR loan the ten thousand grant will be subtracted from the forgiveness amount okay so if you do apply for a PP loan that ten thousand dollars that you receive from your ppl would be PE loan will be subtracted from the forgiveness amount all right s ba economic injury disaster loan how do I apply you will go to WWF SP a govt backslash disaster let me repeat that once again w w SP a govt backslash disaster no actual no additional documents necessary okay it's going to be a very simple process for you to get ll T for you to be eligible for the disaster loan apply through apply directly through the SBA okay we're turning you right back to the SBA website okay we've gone to the Resource Partners cool and how can I get help for these loans that are seeming to be a little bit difficult that's just me I'm not reading anything okay we have research partners out there and I'm sure that probably most of you already know who they are we have our score counselors we have our small business development centers which I'm going to give you their website which is www.hyken.com is business center here in the Phoenix area but we do have an awesome WBC in Tucson that is willing and able to help anybody that is needing their services especially women to plug their SBDC microlenders are also available to help you out with this and of course we have our small business participating lenders and that's who is helping and assisting at this very horrible time okay links and additional resources the Treasury Department has released fact sheets for small business lenders and small business Horrors interested in accessing assessing the three hundred and forty-nine billion paycheck protection program that was enacted last week as part well two weeks ago as part of the cares Act for small business guidance and resource available during these times the best source of information for all programs is and this is really important for you again I'm gonna repeat myself www SBA g u v backslash coronavirus when you go onto our website just as soon as you walk i'm going to our website you're going to see a yellow kind of like a mustard color banner and in that banner that's where you're going to click for the coronavirus information application all the information that you need to know to apply to get the information that i just spoke on you'll find it there on our website in a specific area also we encourage you to subscribe to our e-mail e-mail updates via SBA govt backslash updates we also have a twitter and that's at SBA gov for all the latest news and that's available out there are resource our services and if you need any additional interest I mean assistance you can find your local SBA office and resource partners at WWE sba.gov backslash local assistance now I will tell you that we have been receiving probably probably a hundred to 250 calls a day on our voicemail so we are going through them as soon as we can and they've got quite a bit of our employees that are helping out with the phone calls the return calls the emails and we're just trying to help everybody out as best as we can during these just very difficult times for our small businesses but we're gonna get through together what I do want to share also with you is that as of yesterday we were sent an email that says about 400,000 loans have been approved for over 100 billion dollars so yes there is money the resources are available it takes some work and some dedicated effort on your part as a small business person to become to become aware of what's available out there how to go about it and how quickly you must apply and that I read rephrase really try and apply as quick as you can okay so my presentation is done I am going to go ahead and allow for you guys to ask the questions if there are any questions out there just say them I think we should do I think that we're a pretty small crowd on here so let's go ahead and just put put the questions out verbally and Jennifer had a question about would it be faster and more helpful to you to have a email with questions instead of calling in the off to the office so which would be better you mentioned you have like 150 voicemails would you prefer that we send our questions via email or is it better to continue to put them in the voicemail of the SBA it's up to your members we are going to try and get our emails with the assistance that we have within the district office right now so all in every single small business is important to us so whatever we can do whether it be you guys give us a call or you send us an email it's up to you guys we're flexible at this point in time I have a question I have several questions we and Wells Fargo said that they would have loans as of Monday morning Olinda morning we get on in Wells Fargo MBTA already no longer giving out to funds so how are you dealing with the fact that banks are not are doing such thing so quickly um we have asked that question and taking it up the chain of command which is our headquarters and they are trying to figure out what's the holdup with our big lenders which happens to be as we all know Bank of America Wells Fargo Chase so whatever the the holdup is right now with them I can assure you that behind the scenes it's getting worked out so whether it be another day or next by next week something will be coming down the pike for us to know what's happening check every day I mean well I wouldn't just so are you interested and may I ask you are you just interested at this time for the P P P loan we put in the idea at this SBA okay then we also you know what to put in for it well I though we'd be then BBVA was also giving us a message in that case was taken we haven't heard anything I didn't have that problem and enterprise thank they've spent time with me on Friday night making sure that I got the files all uploaded directly into into their system and I got confirmation on Sunday saying that they've received everything they needed Wow and you're you bank with them right yeah is this like some of the banks are also making it via customer use requirements over leaves overlays um I think that if you're not being helped out by one of the big lenders I would definitely go with us with a community bank or somebody else I mean just tell them look I'm in this situation SBA Small Business Administration is providing these loans I need the money like now so I would definitely go with a couple of lenders outside of the ones that you've already tried I know it's gonna be a headache for you I mean I know all the paperwork and whatever else but you know what it's it's just worth a shot and assume you can do it the better I'm saying that you if somebody is saying no to you like they have already or they're saying that they're not accepting applications go with another lender at this point in time okay and if you've already applied for the Eid a loan then that the monies are coming down but they're they're starting to get funded okay that's what we were told to that's it about it does about a week all right the notation said it would take about a week yeah yeah and we did get notification that what I do want to keep in mind this is the largest economic recovery program in the country in our history that is underway that has been built in five short days yeah yes this is amazing ridiculous way of doing business with the economy yeah right I could be hiring a bunch of people there there is there's a lot of I was just sharing that with Eric there there is a serious need in our disaster service office for about two years temporary employment and they just they need so many employees hundreds and hundreds employees well where do people find that actually mine go okay this is a nice side bar go to WWE and that's jobs Jo B that's USA Jobs USA govt and type Small Business Administration disaster office okay and that's where that information is going to be there for you yeah spill it all out administration yeah yeah no you don't have to spell at us but US Small Business Administration disaster service center all right so yes this is this is a amazing two major loan programs that have been rolled out with policy procedure cuz nothing is going to be done and that's another thing that I do want to stress our numbers are making sure that SBA is crossing their eyes and dotting they're crossing the crossing their T's and dotting their eyes make sure that everything is you know uniformly prepared for them as well so they don't want to be hurting them later on either they don't want to take no losses and they're not going to be so SBA is working tirelessly to do everything we can to help our small businesses recover from this disaster and get to help them get back on their feet no matter what SBA is here to fight for our small businesses and that you can we can take it to the bank thank you you're welcome I have other questions about my weight since I've already asked them okay silence what is royal dance do royal dance works ro dance do they dance or do they have a dance company it's is he hearing you yeah well maybe he's not there's no you should be here get it yeah so okay hearing nothing else it's moment some of the confusion is between payroll employees and $2.99 mm-hmm employees and in our case with commissioned employees not sure if this applies to any of the other calls but appreciate the clarification the form only has you check off payroll it says nothing about 1099 but reading the instructions it appears that a 10-month that providing a 1099 satisfactory in lieu of a payroll if that's the way people are paid in music I believe that 1099s are included if and can you're able to show that you're you're making their payments you know your your II I know you don't have to have them on your payroll but there's something that you can prove and show that you have been paying them and see I provided I provided by nine forty and nine nine forty ones as well as my 1099 s from 2019 to them and that was that was satisfactory for the uploads okay yeah I sent $2.99 okay good okay good thank you and the backup for that is always gonna be your um your twenty eight twenty nineteen twenty nine eighteen twenty nineteen filing 2018 you don't have something there to base it off of the other confusing thing was with if 1099 if the if the simple priority is an employee because it's and you mentioned a minute ago in some of your presentation net income be okay because we just applied for what we 1099 I didn't apply for anything myself because it was unclear looks like it needs to be and then oh but I myself proprietor all right yes you do qualify as well so I didn't include that in my application okay that you doing you do qualify for her so is a sole proprietor a bit pulley by definition in this long like there's myself and one other I only said one he could I was someone outside of myself but I would people who own small businesses you would include you do include yourself so the answers actually to employees to sole proprietors if you morning yeah okay I don't know if anybody else's so proprietors on this call okay so then in that income is okay no not just what's 1099 it also correct and it then of course as I said if you are able to prove this when it's time this is what's going to be forgiven for you this loan the PPP loan will be forgiven the Eid alone will not does not fall under this category okay but if you're able to approve and they come back and say okay we want to see this and this under this okay here it is you know you've got everything in line and organized and that that loan will be forgiven well that's a big plus for you guys small business owners so this was shown with pep solar and thank you by the way for taking the time to join our group and let us know what's going on we've already submitted our information but we're this everyone just to make sure because things are changing so fast we believe that another infrastructure bill that is going to be five trillion dollars in order to get us out of this hole is going to be required and what's really concerning is that our leadership doesn't understand where our business matrix is going and most of our society if we want to be part of the 22nd century which before the virus China was part of we're going to have to compete in those markets and that is AI automation solar those kinds of things and what's really concerning is that we're not seeing some of the reinvestment act that we had in 2009 repeated you know for because air conditioning now is AC or 26 and in our air conditioners our air seer up to 64 and so we're just not seeing a lot of that leadership instead we're seeing a rollback almost an attack on innovation and really a progressive movement that needs to be part of America instead of China how are we going to get that kind of leadership in this and these new bills that are coming out I am sorry but I am NOT this is yeah but this is specifically or guidance on getting these SBA loans and assistance so if we could focus on that while Dulli is lending her time to us cuz she is extremely busy then that would be better we can take your question down though and put it on as our potential for our next our next subject it sounds good I just don't want us to be in a slow-moving train wreck and then we're sitting or six months going what just happened yeah completely understand there anybody on this call work out of their house because that when they say mortgage interest and utilities it's unclear if your opposite in their home is that included or is it only mercial work mortgage utility really interests well keep in mind tha
the IRS does permit for a business to work from home with a certain percentage of the home square footage to be included on that mortgage so that's where you'll have to narrow it down to what's the percentage of my home that is used for the business so once you get that answered and of course that you have been doing business at home since February 2020 then that will be applied and the lender will be able to assist you with that mortgage for a percentage as well as utilities and so yeah I wouldn't worry about that or stressed about that the lender will be able to assist you with that okay yeah you're right there are many homes that are used for our small businesses and that's the way to go nowadays - yes just the documentation clear the iris does allow for a person portion of our home to be used as a small business yeah we just didn't know I didn't know that so translating to this anyone else have questions for Delia are there any more questions I'm curious about the Women's Center not being in the Phoenix area such a large metropolitan let that - but I was gonna save it for later - yeah we did have a Women's Business Center here since 2015 that it opened but there were some complications that took place in 2017 and that's a decision that our headquarters have to make a hard decision at this time but hopefully in the near future we will be able to get it up and going again but like I said the the Tucson SW BC is doing an amazing job and if you have an email question or emails you can certainly reach out to them it's on our website too their information I know a question that might then I help ease some stress I know we were first looking at it we were so worried about getting everything just right and it kind of delayed this Friday to Monday so Shh if people don't know every little last thing they say they just go ahead and apply and then adjust the application process as needed absolutely because for the e IDL alone once it's in the system you will be reached out by a case manager so a case manager will be assigned to your loan and they will contact you either by email phone however they're doing it but they will be working with you along the process if you have something out or you didn't have a you didn't answer the question or whatever it may be same goes for the ppl P P P P P loan if there are some things that you left out you weren't too sure how to answer that lender is going to definitely reach out to you and help you through complete the process so but but my thing is the sooner that you can the better so that you can be made available the amount of money that you need you like hopefully sooner than better sooner sooner than later sorry someone has a loan application in with one and they're not getting anywhere it's not gonna hurt him to go to another absolutely absolutely because you will be given the opportunity to say no I'm not gonna go with that loan after all I'm gonna this one as long as you know that you're not doing anything that is fraudulent will come after you yeah then you've got no problem it's kind of just the same thing at where mortgage refinances if we don't want to find the on the dotted line because there's somebody better out there yeah more power to you and remember that these loans are just 1% they started with 0.3 0.5 and it went up to find 1% why I don't know but here's the thing and that's the reason why things are changing for us dating we just want to be able to know what we're saying and everybody's singing in the same choir so that nobody is confused you know or try and get them uncomputable into the news you're hearing different things you're hearing how wonderful the SBA is and this is what we're really trying to do and work on behalf of you guys one more question here is royal danceWorks wants to know how often should we apply well our is let me ask him or ask you through him is it through the pee pee pee loan or is it the eid alum which Valon is he's asking on behalf of we can take him off from you too right we can take him off music I know you've got audio on your computer about the response to how often should we apply Oh disaster loan okay so the disaster loan it would just be once one time and he would be you would be assigned a case manager that case manager is going to reach out to you and I become against that relationship with you and getting that though you're your loan funding yeah [Music] lesson music folks so one time for an e di l lone CID alum all right do we have any more questions before we put a wrap on this I think it's just important that we tell everybody that even if you want if somebody you know couldn't attend the call we will be posting this on the YouTube channel and I think we'll follow up and send out a note saying where it's at on the YouTube channel and thank you for your attendance as well as if you have suggestions on anything like we had for our last meeting if you have any suggestions on anything you'd like to have upcoming for our green chamber connection calls just let us know and we'll find the resource and get a get a zoom put together for you thank you Delia and thank you everyone thank you all so very much thank you for your timing your patience and I wish you the very best of luck and if I can do this again in the following weeks I'll be more than happy it's my pleasure thank you so much well be healthy and we'll see you on the next the next meet up we have
