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ChMS for Free Under PPP

The bulk of your PPP2 funds will go towards salaries, retaining those who run your church and further your ministries. But a portion of your loan can go to qualifying operational expenses. So, now is the time to contact your lender about applying for PPP2 [Paycheck Protection Program] funds. 

Don’t wait!

This information is from various sources*, so please check with your financial advisor, banker, or lawyer for confirmation or clarification of the following information.

Here is what you need to know about eligibility and the application process:

  • If you didn’t get PPP1, you are still able to get PPP2 funding.
  • PPP2 is only available to organizations with under 300 employees (dropped from 500 during round one).
  • You must have used all your PPP1 funds (if you received them).
  • You will need to show a 25% reduction in at least one quarter of 2020 compared to 2019.
  • 501(c)(3)s can be split—for example, a church and school under the same 501(c)(3).
  • The last day to apply currently is March 31, 2021. (As with PPP1, this may extend).
  • If you’re using the same lender, you can use the same documentation as submitted for PPP1. You will need to check with your lender as additional information may be requested.
  • There is a new application for loans under $150K.



  • Forgiveness for PPP2 funds will be the same as PPP1, but additions may have been made, so please review the guidelines.
  • You must use at least 60% of the loan for payroll costs (employer-paid amounts only) within 8-24 weeks of receiving the loan, or there will be a reduction in forgiveness.
    • Payroll costs include compensation, wages, group health insurance, housing allowance, state and local taxes, as well as paid sick leave. 
  • You can use the other 40% on:
    • Covered operational expenditures: business software or cloud computing services that facilitate business operations (including the processing, payment, or tracking of payroll expenses and accounting or tracking of supplies, inventory, records, and expenses). 
    • Covered property damage: If it relates to public disturbances in 2020 that  were not covered by insurance.
    • Covered worker protection expenditures: PPE [personal protective equipment] and adaptive equipment/investments to help a loan recipient comply with federal health and safety guidelines or equivalent state and local guidance related to COVID-19 during 3/1/2020 until the end of the national emergency declaration.

Download your quick checklist to ensure you follow the needed steps for getting PPP2 funds!