{"id":4415,"date":"2020-07-08T07:53:51","date_gmt":"2020-07-08T07:53:51","guid":{"rendered":"https:\/\/sulleelaw.com\/blog\/2020\/07\/08\/ppp-%eb%8c%80%ec%b6%9c%ec%83%81%ed%99%98-%eb%a9%b4%ec%a0%9c%ec%97%90-%eb%8c%80%ed%95%9c-%ea%b0%80%ec%9d%b4%eb%93%9c%eb%9d%bc%ec%9d%b8\/"},"modified":"2024-11-12T21:56:02","modified_gmt":"2024-11-12T21:56:02","slug":"ppp-%eb%8c%80%ec%b6%9c%ec%83%81%ed%99%98-%eb%a9%b4%ec%a0%9c%ec%97%90-%eb%8c%80%ed%95%9c-%ea%b0%80%ec%9d%b4%eb%93%9c%eb%9d%bc%ec%9d%b8","status":"publish","type":"post","link":"https:\/\/sulleelaw.com\/ko\/ppp-%eb%8c%80%ec%b6%9c%ec%83%81%ed%99%98-%eb%a9%b4%ec%a0%9c%ec%97%90-%eb%8c%80%ed%95%9c-%ea%b0%80%ec%9d%b4%eb%93%9c%eb%9d%bc%ec%9d%b8\/","title":{"rendered":"PPP \ub300\ucd9c\uc0c1\ud658 \uba74\uc81c\uc5d0 \ub300\ud55c \uac00\uc774\ub4dc\ub77c\uc778"},"content":{"rendered":"<h3>PPP \ub300\ucd9c\uc0c1\ud658 \uba74\uc81c\uc5d0 \ub300\ud55c \uac00\uc774\ub4dc\ub77c\uc778<\/h3>\n<p><strong>\ub300\ucd9c \uc774\ud6c4\ub85c 8\uc8fc\uac04\uc758 \uae09\uc5ec\ubc0f \ub80c\ud2b8 \uc0c1\ud658\uba74\uc81c\ub85c \ud654\uc81c\uac00 \ub418\uc5c8\ub358 PPP \ub300\ucd9c:<\/strong><\/p>\n<p>\ub9ce\uc740\ubd84\ub4e4\uc774 \ubc1b\uace0 \ub09c \ub4a4\uc5d0 \ub9c9\uc0c1 \uc5b4\ub5a4\uc2dd\uc73c\ub85c \uc0c1\ud658\uba74\uc81c\uac00 \ub418\ub294\uc9c0\ub97c \uad81\uae08\ud574\ud558\uc2ed\ub2c8\ub2e4. \ucd5c\uadfc\uc5d0SBA\uac00 \uc774\uc5d0 \ub300\ud55c \uac00\uc774\ub4dc\ub77c\uc778\uc744 \uc81c\uacf5\ud558\uc5ec, \uc774\uc5d0 \ub300\ud558\uc5ecPPP Loan forgive\uad00\ub828 \uc2e0\uccad\uc11c\ubc0f \uc774\ud558\uc758 \uc608\ub97c \ud1b5\ud574\uc11c \ubcf4\ub2e4 \uc27d\uac8c \uc548\ub0b4\ud574\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<p>PPP\ub300\ucd9c\uc758 \uae30\ubcf8\uc740 \ub300\ucd9c\uae08\uc561\uc774\uc9c1\uc6d0\uc6d4\uae09 (payroll cost) \uc73c\ub85c \uc0ac\uc6a9\ub418\uc5c8\ub290\ub0d0\uc758 \uc5ec\ubd80\uc785\ub2c8\ub2e4. SBA \ub294 \uc774 \uaddc\uce59\uc5d0 \ub300\ud574 \ucd5c\uc18c 75% \uc774\uc0c1\uc744 payroll cost\ub85c \uc0ac\uc6a9\ud560\uc218\uc788\uace0,\ucd5c\uace0 25%\uae4c\uc9c0\ub294\ubc95\ub960\uc5d0\uc11c \ud5c8\uc6a9\ub418\ub294 \ube44\uc6a9\uc5d0\uc0ac\uc6a9\uc744\ud558\uba74,\uc0c1\ud658\uba74\uc81c\ub97c \ud574\uc8fc\ub294 \uac83\uc73c\ub85c \uc54c\ub824\uc838 \uc788\uc2b5\ub2c8\ub2e4.\uadf8\ub7ec\ub098, \ub9cc\uc57d \uc9c1\uc6d0\uc22b\uc790\ub97c Pandemic\uc804\uc73c\ub85c \uc6d0\uc0c1\ubcf5\uadc0 \ud558\uc9c0\uc54a\ub294\ub2e4\uba74, \uc774\uc5d0 \ub300\ud574 \uc0c1\ud658\uae08\uc561 \uba74\uc81c\uc561\uc744 \ucc28\uac10\ud55c\ub2e4\uace0 \ub098\uc640\uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc608: COVID -19\uc804\uc5d0 \uc9c1\uc6d0\uc774 10\uba85\uc774\uace0,\uadf8 \uc774\ud6c4 ppp\ub860\uc744 \ubc1b\uace0 \uc9c1\uc6d0\uc774 6\uba85\uc774\ub77c\uba74,\ub300\ucd9c \uc0c1\ud658\uba74\uc81c\uac00 \uac00\ub2a5\ud55c \uae08\uc561\uc774 60%\ub85c \uc904\uc5b4\ub4e4\uac8c \ub429\ub2c8\ub2e4. \ub9cc\uc57d 10\uba85 \uc804\uc6d0\uc774 \ub3cc\uc544\uc628\ub2e4\uba74,\ub300\ucd9c \uc0c1\ud658 \uba74\uc81c\uc561\uc774 \uc904\uc5b4 \ub4e4\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098,COVID -19\uc804\uc5d0 \uc9c1\uc6d0\uc774 10\uba85\uc77c \ub54c\ub3c4 \uc788\uace0, 12\uba85\uc774\uc5c8\uc744 \ub54c\ub3c4 \uc788\uc744\ud150\ub370,\uc5b4\ub5a4\uae30\uc900\uc73c\ub85c \uacb0\uc815 \ub418\uc5b4\uc9c8\uae4c\uc694? \uc774\ubd80\ubd84\uc740 \uace0\uc6a9\uc8fc\uac00 \uacb0\uc815\ud560\uc218\uc788\ub294 \ubd80\ubd84\uc778\ub370\uc694,01\/01\/2020~02\/29\/2020\ub144 \uae30\uc900 \ub610\ub294 02\/15\/2019~06\/30\/2019 \ub144 \uae30\uc900 \ub458\uc911 \ud55c\uac00\uc9c0\ub85c \uc801\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc790 \uadf8\ub7ec\uba74,10\uba85\uc758 \uc9c1\uc6d0\uae30\uc900\uc5d0\uc11c, $60,000.00 ppp \ub300\ucd9c\uc744 \ubc1b\uc558\uc744\ub54c \uae30\uc900\uc73c\ub85c \uc870\uae08 \ub354 \uc774\uc57c\uae30\ub97c \ud574\ubcf4\uc8e0.<\/p>\n<p><strong>1. 75%-\uc9c1\uc6d0\uc6d4\uae09 25% \uadf8\uc678 \ube44\uc9c0\ub2c8\uc2a4 \ube44\uc6a9\uc5d0 \ub300\ud55c \uc548\ub0b4.<\/strong><\/p>\n<p>a. payroll\uc5d0 \uc18c\ube44\ub41c \ube44\uc6a9: $30,000.00<\/p>\n<p>b. rent\uc5d0 \uc18c\ube44\ud55c \ube44\uc6a9: $4,000.00<\/p>\n<p>c. utilities\uc5d0 \uc18c\ube44\ud55c \ube44\uc6a9: $2,000.00<\/p>\n<p>\ucd1d \uc0ac\uc6a9\uae08\uc561: $36,000.00<\/p>\n<p>\uc774\ub807\uac8c ppp\ub300\ucd9c\uae08\uc561\uc744 \ubc1b\uace0 8\uc8fc\uac04 \uc0ac\uc6a9\ud558\uc600\ub2e4\uba74payroll\uc5d0 \uc0ac\uc6a9\ud55c \uae08\uc561 $30,000.00 \uc740 \uc804\uccb4\uae08\uc561\uc758 83% \ub97c \ucc28\uc9c0\ud558\ub2c8,\uc0c1\ud658\uba74\uc81c \uae08\uc561\uc774 \uc904\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub9cc\uc57d payroll \uc81c\uc678\uae08\uc561\uc774 25% \ub118\uac8c \ub41c\ub2e4\uba74, payroll\uc81c\uc678\uae08\uc561\uc774 \uc0c1\ud658 \uba74\uc81c \uae08\uc561\uc774 25%\uac00 \ub420\ub54c \uae4c\uc9c0 \uc804\uccb4 \uae08\uc561\uc744 \ub0ae\ucd94\uc2dc\uba74 \ub429\ub2c8\ub2e4.<\/p>\n<p><strong>2. \uc9c1\uc6d0\ub4e4\uc774 \ub2e4 \ub3cc\uc544\uc624\uc9c0 \uc54a\uac70\ub098, COVID -19\uc804\uc758 \uc9c1\uc6d0\uc218\uac00 \uc720\uc9c0\uac00 \ubd88\uac00\ub2a5\ud560 \uacbd\uc6b0 \ub0b4\uc6a9\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/strong> \uc0c1\ub2e8\uc5d0 \uc5b8\uae09\ud55c \ubd80\ubd84\uacfc \uac19\uc740 \uc2dc\ub098\ub9ac\uc624\uc774\uc9c0\ub9cc, 10\uba85\uc5d0\uc11c 6\uba85\ub9cc \ub3cc\uc544\uc628\ub2e4\uba74,\uc774 \uc804\uccb4 \uae08\uc561\uc758 60% \ub9cc\uc0c1\ud658\uba74\uc81c\uac00 \uac00\ub2a5\ud558\uc5ec,\uc0c1\ud658\uba74\uc81c\uae08\uc561\uc774 $21,600\uc73c\ub85c \uc904\uace0, \ub098\uba38\uc9c0 $38,400\uc740 \uc740\ud589\uc5d0\uac8c 1% \uc774\uc790\ub97c \ubc1b\uace0 \ub3cc\ub824 \uc8fc\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p><strong>3. \ub9cc\uc57d \uc9c1\uc6d0\ub4e4\uc740 \ub3cc\uc544\uc654\uc9c0\ub9cc, pre-COVID 19\uc804\uc758 \uae08\uc561\ubcf4\ub2e4 25% \uc774\uc0c1 \uc6d4\uae09\uc744 \uc904\uc778\ub2e4\uba74 \ucd94\uac00\uc801\uc73c\ub85c \uba74\uc81c\uae08\uc561\uc774 \uc904\uc5b4\ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/strong>\ub9cc\uc57d \uc9c1\uc6d0\uc774 \ud55c\ub2ec\uc5d0 $3000\ubd88\uc744 \uc8fc\ub358 \uc9c1\uc6d0\uc744 $2000\ubd88\ub85c \uc904\uc600\ub2e4\uba74, 25% \uae4c\uc9c0 \uc904\uc77c \uc218 \uc788\ub294 \uc6d4\uae09\uc740 $2250.00 \uc774\uc600\uace0, $250\ubd88\uc744 \ub354 \uc801\uac8c \uc8fc\uc5c8\uc73c\ub2c8, 250\ubd88 \uc81c\uc678, \uadf8\ub9ac\uace0 8\uc8fc\uac04\uc774\ub77c\uba74,\uc57d 500\ubd88\uae4c\uc9c0 \uc0c1\ud658 \uba74\uc81c\uae08\uc561\uc774 \ucc28\uac10\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub7ec\ub098, \uc9c1\uc6d0\uc6d0\uc0c1\ubcf5\uadc0\uc5d0 \ub300\ud55c \uac10\uc18c\ub294 \ucd94\uac00 \uae30\uac04\uc774 \uc81c\uacf5\ub429\ub2c8\ub2e4: 02\/15\/2020\ub144\uc5d0\uc11c 04\/26\/2020\ub144\uc73c\ub85c \uc9c1\uc6d0\uc218\ub97c \uc904\uc600\ub2e4\uace0 \ud558\ub354\ub77c\ub3c4 (\uc989 ppp\ub300\ucd9c \ud6c4 8\uc8fc\uae30\uac04\uc5d0 \uc904\uc600\ub2e4 \ud558\ub354\ub77c\ub3c4) \ub9cc\uc57d 02\uc6d4 15\uc77c 2020\ub144 \uc804\uc73c\ub85c \uc9c1\uc6d0\uc218\ub97c 06\uc6d4 30\uc77c 2020\ub144 \uae4c\uc9c0\ub9cc \ud55c\ub2e4\uba74, \uc0c1\ud658\uba74\uc81c\uae08\uc561 \uac10\uc18c\ub97c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong>4. \uc790\uc601\uc5c5\uc790\ub4e4\uc758 \uc6d4\uae09 \uacc4\uc0b0(Self-employed\/Schedule C Tax payer) <\/strong><br \/>\nPPP \ub300\ucd9c\uc0c1\uc5d0\uc11c, \uc790\uc601\uc5c5\uc790\ub4e4\uc774\ub098 \ud68c\uc0ac \uc18c\uc720\uc8fc\uc758 \uc218\uc775\ub610\ud55c \uc0c1\ud658\uba74\uc81c\uac00\ub2a5\ud55c \uae08\uc561\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc804\uccb4 \uae08\uc561\uc774 \uac00\ub2a5\ud55c \uac83\uc740 \uc544\ub2c8\uace0, \ucd5c\ub300 10\ub9cc\ubd88 \uae4c\uc9c0 2019\ub144 net profit\uc758 8\uc8fc\uac04\uc758 \uae08\uc561\uc774 \uac00\ub2a5\ud558\uba70 FMLA\ub4f1\uc73c\ub85c \ubc1b\uc740 \uae08\uc561\uc740 \uc81c\uc678\ub429\ub2c8\ub2e4.<\/p>\n<p><strong>5. Payroll\ub85c \ud3ec\ud568\ub418\ub294 \uae08\uc561:<\/strong><\/p>\n<ul>\n<li>Salary, wage, commission \ub4f1 \uadf8\uc678 \uc9c1\uc6d0\uc5d0\uac8c \uc9c0\ubd88\ud558\ub294 \uae08\uc561 (\uc9c1\uc6d0\ub2ec \ucd5c\ub300 \uc77c\ub144\uae08\uc561 \uc815\uc0b0 10\ub9cc\ubd88\uae4c\uc9c0)<\/li>\n<li>Cash tips<\/li>\n<li>\u00a0\uc9c1\uc6d0\uc5d0\uac8c \uc9c0\ubd88\ud55c \uc720\uae09\ud734\uac00 \uae08\uc561<\/li>\n<li>\uc9c1\uc6d0\uc5d0\uac8c \uc81c\uacf5\ud55c severance \uae08\uc561<\/li>\n<li>\uc9c1\uc6d0\uc5d0\uac8c \uc81c\uacf5\ud558\ub294 \uac74\uac15\ubcf4\ud5d8 \ubc0f \uc740\ud1f4\uc5f0\uae08<\/li>\n<li>Employer\uac00 \uc9c1\uc6d0\ub54c\ubb38\uc5d0 \uc9c0\ubd88\ud558\ub294 state\/local tax<br \/>\nPayroll\uc740 FICa\/Medicare\/FUTA\ub4f1\uc744 \ud3ec\ud568\ud558\uc9c0 \uc54a\uc73c\uba74, \ub610\ud55c Emergency paid sick leave \uc640 FMLA\ub85c \uc138\uae08\ud61c\ud0dd \ubc1b\ub294 \ubd80\ubd84\ub3c4 \ud3ec\ud568\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p><strong>6. \uadf8\uc678 \uc801\uc6a9\uac00\ub2a5 expense<\/strong><\/p>\n<ul>\n<li>Mortgage interest payment<\/li>\n<li>\ub80c\ud2b8 \ube44\uc6a9 (\ubd80\ub3d9\uc0b0 \ub80c\ud2b8\ubfd0\uc544\ub2cc,\uae30\uacc4\uc5d0 \ub300\ud55c \ub80c\ud2b8\ub3c4 \ud3ec\ud568)<\/li>\n<li>Utility-\uac00\uc2a4,\uc804\uae30,\ubb3c, transportation, telephone or internet\ub4f1\uc744 \ud3ec\ud568<\/li>\n<\/ul>\n<p>COVID-19\uc758 \uac00\uc774\ub4dc\ub77c\uc778\uc740 \uacc4\uc18d\ud574\uc11c \ucd94\uac00\uac00 \ub418\uace0\uc788\uace0, \ub54c\ub85c\ub294 \ubcc0\uacbd\uc774 \ub418\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uadf8\ub9ac\uace0, \uc774 \ub0b4\uc6a9\ub4e4\uc740 \ub2e8\uc21c\ud55c \uc815\ubcf4\uacf5\uc720\ub97c \uc704\ud55c\uac83\uc774\uc9c0, \ubc95\uc801 \uc870\uc5b8\uc744 \uc704\ud55c \ub0b4\uc6a9\uc774 \uc544\ub2cc \ucc38\uc870\uc6a9\uc785\ub2c8\ub2e4. \ubcf8\uc778\uc758 \uc0c1\ud669\uc5d0 \ub300\ud574 \uc815\ud655\ud55c \uc758\uacac\uc744 \ubc1b\uace0\uc790 \ud55c\ub2e4\uba74, \ubcc0\ud638\uc0ac\ub098 \ud68c\uacc4\uc0ac\ub97c \uc120\uc784\ud558\uc2dc\uae30\ub97c \ucd94\ucc9c\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<p>\uc544\ub798\uc758 \ub9c1\ud06c\ub97c \ud1b5\ud574 \uac00\uc774\ub4dc\ub77c\uc778\uacfc \ub300\ucd9c \uc0c1\ud658\uba74\uc81c \uc2e0\uccad\uc11c\ub97c \ub2e4\uc6b4\ub85c\ub4dc \ubc1b\uc73c\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>Download link: <a href=\"https:\/\/mcusercontent.com\/2aba1c9c5c9236142111d7ee5\/files\/dd8022d1-08c5-400f-94b3-a52cb90efef5\/20200528_PPP_%EB%8C%80%EC%B6%9C_%EC%83%81%ED%99%98_%EB%A9%B4%EC%A0%9C%EC%97%90_%EB%8C%80%ED%95%9C_%EA%B0%80%EC%9D%B4%EB%93%9C%EB%9D%BC%EC%9D%B8.pdf\">Click here to download the guideline<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>PPP \ub300\ucd9c\uc0c1\ud658 \uba74\uc81c\uc5d0 \ub300\ud55c \uac00\uc774\ub4dc\ub77c\uc778 \ub300\ucd9c \uc774\ud6c4\ub85c 8\uc8fc\uac04\uc758 \uae09\uc5ec\ubc0f \ub80c\ud2b8 \uc0c1\ud658\uba74\uc81c\ub85c \ud654\uc81c\uac00 \ub418\uc5c8\ub358 PPP \ub300\ucd9c: \ub9ce\uc740\ubd84\ub4e4\uc774 \ubc1b\uace0 \ub09c \ub4a4\uc5d0 \ub9c9\uc0c1 \uc5b4\ub5a4\uc2dd\uc73c\ub85c \uc0c1\ud658\uba74\uc81c\uac00 \ub418\ub294\uc9c0\ub97c \uad81\uae08\ud574\ud558\uc2ed\ub2c8\ub2e4. \ucd5c\uadfc\uc5d0SBA\uac00 \uc774\uc5d0 \ub300\ud55c \uac00\uc774\ub4dc\ub77c\uc778\uc744 \uc81c\uacf5\ud558\uc5ec, \uc774\uc5d0 \ub300\ud558\uc5ecPPP Loan forgive\uad00\ub828 \uc2e0\uccad\uc11c\ubc0f \uc774\ud558\uc758 \uc608\ub97c \ud1b5\ud574\uc11c \ubcf4\ub2e4 \uc27d\uac8c \uc548\ub0b4\ud574\ub4dc\ub9bd\ub2c8\ub2e4. PPP\ub300\ucd9c\uc758 \uae30\ubcf8\uc740 \ub300\ucd9c\uae08\uc561\uc774\uc9c1\uc6d0\uc6d4\uae09 (payroll cost) \uc73c\ub85c \uc0ac\uc6a9\ub418\uc5c8\ub290\ub0d0\uc758 \uc5ec\ubd80\uc785\ub2c8\ub2e4. SBA \ub294 \uc774 \uaddc\uce59\uc5d0 \ub300\ud574 \ucd5c\uc18c 75%&#8230;<\/p>\n","protected":false},"author":2,"featured_media":4416,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11,29],"tags":[],"class_list":["post-4415","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-korean-blog","category-29"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>PPP \ub300\ucd9c\uc0c1\ud658 \uba74\uc81c\uc5d0 \ub300\ud55c \uac00\uc774\ub4dc\ub77c\uc778 - Sul Lee Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sulleelaw.com\/ko\/ppp-\ub300\ucd9c\uc0c1\ud658-\uba74\uc81c\uc5d0-\ub300\ud55c-\uac00\uc774\ub4dc\ub77c\uc778\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PPP \ub300\ucd9c\uc0c1\ud658 \uba74\uc81c\uc5d0 \ub300\ud55c \uac00\uc774\ub4dc\ub77c\uc778 - Sul Lee Law Firm\" \/>\n<meta property=\"og:description\" content=\"PPP \ub300\ucd9c\uc0c1\ud658 \uba74\uc81c\uc5d0 \ub300\ud55c \uac00\uc774\ub4dc\ub77c\uc778 \ub300\ucd9c \uc774\ud6c4\ub85c 8\uc8fc\uac04\uc758 \uae09\uc5ec\ubc0f \ub80c\ud2b8 \uc0c1\ud658\uba74\uc81c\ub85c \ud654\uc81c\uac00 \ub418\uc5c8\ub358 PPP \ub300\ucd9c: \ub9ce\uc740\ubd84\ub4e4\uc774 \ubc1b\uace0 \ub09c \ub4a4\uc5d0 \ub9c9\uc0c1 \uc5b4\ub5a4\uc2dd\uc73c\ub85c \uc0c1\ud658\uba74\uc81c\uac00 \ub418\ub294\uc9c0\ub97c \uad81\uae08\ud574\ud558\uc2ed\ub2c8\ub2e4. \ucd5c\uadfc\uc5d0SBA\uac00 \uc774\uc5d0 \ub300\ud55c \uac00\uc774\ub4dc\ub77c\uc778\uc744 \uc81c\uacf5\ud558\uc5ec, \uc774\uc5d0 \ub300\ud558\uc5ecPPP Loan forgive\uad00\ub828 \uc2e0\uccad\uc11c\ubc0f \uc774\ud558\uc758 \uc608\ub97c \ud1b5\ud574\uc11c \ubcf4\ub2e4 \uc27d\uac8c \uc548\ub0b4\ud574\ub4dc\ub9bd\ub2c8\ub2e4. PPP\ub300\ucd9c\uc758 \uae30\ubcf8\uc740 \ub300\ucd9c\uae08\uc561\uc774\uc9c1\uc6d0\uc6d4\uae09 (payroll cost) \uc73c\ub85c \uc0ac\uc6a9\ub418\uc5c8\ub290\ub0d0\uc758 \uc5ec\ubd80\uc785\ub2c8\ub2e4. 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