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US-based PSP Jack Henry has expanded its Paycheck Protection Programme (PPP) loan solution with a borrower-facing digital interface to capture the application and supporting documents.  While waiting for final program guidance, borrowers should continue to gather documentation demonstrating how PPP loan proceeds were used, including mortgage interest, rent payments and utilities. ADP will continue to closely monitor federal legislation and guidance affecting PPP loans. Borrowers must be able to demonstrate a 25% reduction in gross receipts between comparable quarters in 2019 & 2020. This documentation does not have to be submitted with the application for loans under $150,000, but borrowers will need to retain it for forgiveness. The SBA has not given any specific information as to what reports or forms are needed to demonstrate this. https://nostalgirock.se/community/profile/tresamcintosh7/ If you’ve ever been rejected by a bank or direct lender due to “bad credit”, it might just be that your credit history does not meet their lending criteria. Perhaps you missed a credit repayment at some point. This could have lowered your credit score, which could make it more difficult for you to get approval for a loan or new line of credit. Your credit scores are based on the information in your credit report. Your credit report is based on information reported by lenders and others about your credit behavior and payment history. When you make positive changes to the way you handle credit—such as paying down balances and consistently paying bills on time—these changes will be reflected in your credit report. As the most recent, more positive information begins to replace older, more negative information, your credit scores will improve.

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