As of May 5th, 2021, the SBA has stopped accepting PPP applications from most US Lenders as PPP funds have run out. Some money may still be available through a Government set-aside for community financial institutions, which generally service underserved communities.Please visit for more information.

Give to Change Foundation, in partnership with Adesso Capital, is proud to offer PPP application assistance. 

Paycheck Protection Program (PPP)

Government Funded Coronavirus relief for small businesses and independent contractors.

Who is Eligible?

Business must have been operating before February 15th, 2020
Any small business concern that meets SBA’s size limits below, including corporations and Partnerships.
Sole Proprietors
Independent Contractors (1099)
Self-employed Persons
501(c)(3) non-profit organization
501(c)(19) veterans organization
Tribal business concerns
Size Limitations:
First PPP Loan
Most Businesses:
500 Employees
Restaurants and Lodging
NAICS* Code begins with 72
500 Employees per location
Second PPP Loan
Most Businesses:
300 Employees
Restaurants and Lodging
NAICS* Code begins with 72
300 Employees per location

How much can I borrow?

Businesses with Employees

Most businesses are eligible for up to 2.5x their average monthly payroll cost in 2019.
Restaurants and Lodging are eligible for up to 3.5x.
Payroll Costs include:
Wages, tips, insurance benefits, retirement contributions, state & local taxes, including unemployment insurance.

Maximum Loan Amount
First PPP Loan is $10M
Second PPP Draw is $2M
*First Draw plus Second Draw can not exceed $10M

Businesses without Employees

Businesses without Employees are eligible for up to 2.5x their average monthly 2019 Net-Profit.
- Net-Profit is as reported on your 2019 IRS Form 1040
Schedule C - Line 31
- Maximum PPP Loan Amount = $20,833.

How to Apply

Step 1:
Complete Online Application and E-Sign
Step 2:
Upload Requested Documents
Businesses with Employees (Typically):
2019 Business Tax Return
2019 IRS Form 940
Q1/2020 IRS Form 941 
Payroll summary reports
Evidence of payroll taxes, insurance premiums and benefits paid

Businesses without Employees (Typically):
2019 Business Tax Return or 1040 Schedule C
Step 3:
E-Sign PPP Loan Agreement
Step 4:
Receive Funds electronically into your bank account

How do I get my PPP Loan Forgiven?

Businesses with Employees – Borrower demonstrates:
Spends 60% of the funds spent on payroll, inclusive of Benefits and Taxes
The balance can be spent on Rent or Mortgage Interest, Utilities, Personal Protection Equipment, and Supplies.
Businesses without Employees – Borrower demonstrates:
Spends fund on Payroll, Rent or Mortgage Interest, Utilities, Personal Protection Equipment, and Supplies, during the covered period.
The borrower could also claim the automatic owner compensation replacement, equal to 2.5 months of 2019 or 2020 net profit. This is an amount comparable to the allowable loan amount.
Forgiveness Process & Timing
 Online application
You can apply for forgiveness any time after the funds are spent, up to the point that the loan matures.
We recommend that you apply for forgiveness before loan payments are due to otherwise begin (~15 months after disbursement)

For questions or concerns about your PPP application

Adesso Capital is offering support for business owners that are having trouble navigating the PPP application process. We understand the complexity of the application process.

Adesso Capital is a Business Loan Broker who helps customers find an SBA-certified Lender participating in the Paycheck Protection Program (PPP). Borrowers will apply directly with the SBA-certified Lenders, who will issue and manage the PPP loan. Program funds are limited. Adesso does not guarantee that applications will be processed and submitted before Program funds are no longer available. There is no cost to you to apply for a PPP loan. Program information can change according to government policy.