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PPP Loan Accounting - What Do I Have to Do to Track the Ways I Spend the Money?

If you do get a Payroll Protection Loan, you will need to carefully track and keep receipts for every single thing you pay for with the funding.  The banks expect followup documentation when the loan period is over.  Here are some overall tips for your accounting.

Tip #1: Use a good payroll system (probably a payroll service)

Tip #2: Have a real accounting system - QuickBooks, etc.

Tip #3:  Track the funds flow, either using a separate bank account or through your accounting system

Tip #4: Over-document owner compensation in your payroll records

Tip #5: Document every disbursement with the date, dollar amount, and back up receipt


Here's the excellent, more detailed article from Evergreen Small Business.  It's worth a read.

PPP Loan Accounting: Tips to Do It Right

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