sba amount confirmed now status application being processed

When the EDIL reopened for regular small business, I applied again. And If your loan is approved, the SBA will move forward with loan disbursement pretty quickly; loan proceeds should hit your bank account within 5 to 10 business days. Currently, Economic Injury Disaster Loans offer a 3.75 percent fixed interest rate (that interest rate is even lower for nonprofit organizations/non-profits at 2.75 percent), a 30-year repayment period, 30-month payment deferral period, and no fees or prepayment penalties. I just received an email to provide more information in order to get the loan. Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. So sorry to hear this. If you were in operation before Jan. 1, 2020: If your business is not a sole proprietorship, you will be required to provide a Board resolution or certificate of authority providing authority to commit the business to the COVID EIDL loan after your loan is approved before loan closing. I wouldnt expect the SBA to automatically send you anything more. Tina Im so sorry to hear you didnt qualify. My husband and I own and operate a commercial office cleaning business. Can you find information there on repayment? Id suggest calling them and asking how to request more funds rather than waiting for a new application to be processed (and potentially getting rejected). You can also inquire about your status by email. So now its 4 days later 05/01/20 no email an no deposits You may want to consider also applying for PPP which is a different loan program that may help you cover your payroll costs for yourself for a couple of months. I agree with Sangshin, I learned more from this than SBA or my lender. But you could contact the SBA Disaster Assistance hotline to see if you can request reconsideration. And received my closing documents today May 16 What does this mean. Does the economic injury need to be proportionate to the amount approved? Step 2: Further SBA EIDL Loan Increase Info Track your EIDL Loan Increase based on self-reported information. In that case a UCC-1 filing will be placed and may appear on business credit reports. My FICO Score has decreased by 3 points. What do I do now? You have viewed and signed all of the docs at the bottom on the page and clicked on the Submit for increased amount button (something to that nature)? I was counting myself as an employee because i work for myself. SBA offer $11500 loan approved for myself with 3.75% and 30 years term How will I be eligible? Im keeping my fingers crossed. Thats no longer the case. For people who applied early on in the program (i.e. Cookie Notice and our John Weve published a new article about ways you can use EIDL. My question has to do with this line that I read in one of your other articles as far as what EIDL loan can not be used for: I am an independent contractor and applied for an EIDL. Is there a personal guarantee required now or in future for the 150,000 loan. I was just wondering can you receive unemployment benefits and the loan? Unfortunately we dont have access to that information. We just got confirmation that we will be receiving the EIDL. If there was an error with your reported figures, you can request a reconsideration. Instead, the SBA is rolling out a targeted EIDL grant aimed at businesses in low-income areas that have suffered a revenue loss due to COVID. Will the DBA require proof of how the money is spent????? New posts accepted during similar operating hours as the SBA. However, in revised guidance that went into effect September 8, 2021 the SBA said it will permit COVID EIDL working capital loan proceeds to be used to pay any type of business debt, including loans owned by a Federal agency (including SBA) or an SBICCOVID EIDL loan proceeds may be used to make debt payments including monthly payments, payments of deferred interest, and pre-payments, except that prepayments will not be permitted on debt that is owned by a Federal agency (includingSBA) or an SBIC.. Can I pay my mortgage? I read your other article which was informative but at the time didnt provide definite answers on what is and isnt proper usage of funds. I dont see where I can decline the loan. Yeah all of my banking info has been confirmed. This is a federal program and it is important to follow the guidelines. Nowhere am I asked for a lender or an amount. The initial language indicated ICs were covered, and I listed them as such. Six months of working capital. hb```f``z 8Ab,P}Og:Z4t,``-ch?8=L FQ)`B2:Z$ux,5mx7#:-U)w7|:(cKrc'(xlM7R{mk Y&u25QLChF According to the SBA, economic injury is defined as: [A] change in the financial condition of a small business concern, small agricultural cooperative, small aquaculture enterprise, or PNP of any size (excluding religious organizations) attributable to the effect of a specific disaster, resulting in the inability of the concern to meet its obligations as they mature, or to pay ordinary and necessary operating expenses. Thank you very much for your time writing this great article! I would encourage you to contact the SBA or your local SBA office to clarify your question. Can I use the money to pay my personal rent? Loan proceeds can be used to cover working capital and normal operating expenses, including payroll, purchasing equipment and all forms of debt, with a maximum loan amount of $2 million. Jay The SOP (page 75) states under ineligible uses of proceeds: Payment of any part of a direct Federal debt, (including SBA loans) except IRS obligations. I havent seen any guidance on it. ?or I still have to pay it back?? I did get the PPP program and got funded, it states within last 7 years you are disqualified. However, theres a lot of helpful discussion in the Business Loan Insight Financing Hub PPP, EIDL and More on Facebook where business owners are discussing how long their applications and grants took to be approved. Conventions and large gatherings are all closed with no hope in sight. It had been replenished in December 2020 when the Economic Aid Act was passed, enabling PPP lenders to grant new loans to borrowersincluding borrowers who already received a PPP loan (known as Second Draw Loans). providing paid sick leave to employees unable to work due to the direct effect of the COVID19; maintaining payroll to retain employees during business disruptions or substantial slowdowns; meeting increased costs to obtain materials unavailable from the applicants original source due to interrupted supply chains; repaying obligations that cannot be met due to revenue losses. If you need help applying for EIDL, your district SBA office and/or Small Business Development Center should be able to help. When I apply for forgiveness will the lender notice this and do I have to pay back the over amount ASAP? Please help. Will they garnish my pay from W2? Im loosing money like everybody else. Check out our COVID-19 hub to find resources, tips, and advice to help your small business weather the storm. This month of August 2021 I received EIDL loan increase approval and my paperwork to sign is still under my name Sole proprietor. There are a lot of business owners sharing their experiences with these programs there. Received $40k EIDL.work is slow which is why we applied. The FB page is incredibly difficult to navigate though, in order to find specific suggestions. When I do open I will owe the Landlord $8,000 in back rent. Ill be thrilled when we finally see an official answer on this I just havent found it yet. How To Check The Status Of Your SBA Economic Injury Disaster Loan (EIDL) Application. Wed recommend you try to reach out to your local SBA office. Thank you for any help. Will i still get the 10k grant? Its possible there is an error with the bank account information you submitted. An expert in accounting, finance, and point of sale, Erica has been researching and writing about all things small-business since 2018. May I reapply? Can I simply transfer funds to my other account and call it payroll or do I need to break it down to specific items (vehicle payment, house payment, electric, etc..). 26 Now After 24hrs you will recieve an email telling you that your SBA application is ready for next step and you are to "CREATE ACCOUNT" . It certainly cant hurt to get some expert advice. The NBE first said the request should be processed by the Bankers Association but the issue is still in the process. There are three ways to check your EIDL loan application status, and all are directly through the SBA. Hi Hi i qas approved for a $26,400 loan. So now after learning this I know Im more than just an application number an the SBA is looking at my loan request an because they did a hard pull on my credit I might get an EIDL loan an I have successfully submitted an application so now I will get the EIDL Advance that will temporarily save me until they complete the loan process. Processing & Account Deposit My bank has already stated they have been getting SBA funds everyday with no problem. Im wondering is there a limit on how much we can repay ourselves with this loan for lost wages, Im self employedand it says show receipts, do we just save our receipts and turn them in at some point? Can I increase my monthly payment amount to pay it off early and not have to pay the entire 5,000 finance charges or will I still be responsible for the 5,000 no matter if I pay it off early? Unfortunately, some borrowers that had funds deposited into a personal bank account encountered holds and freezes due to their banks policies. If you do default the SBA will likely try to collect but they may be limited in terms of what they can do. Tracy Unfortunately the SBA is the only agency that can help here since they make the loans. Advertiser Disclosure: Our unbiased reviews and content are supported in part by, An expert in personal and business loans and financial health, Chris Motola has been writing about small business finance and payments for over 5 years. Danny Weve been told it will not be reported to personal credit but we havent confirmed that with the SBA. Will this be a hard inquiry on my credit? If yes how do I document how money was spent? 5 Ways You Can and Cant Use Your EIDL Loan. DO I still can get 10,000 EIDL loan as I have 2 employees or this 2,000 $ is all I got. The Economic Injury Disaster Loan and Loan Advance (EIDL) program provides small businesses with working capital loans of up to $2 million that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing due to the COVID-19 public health crisis. However, be aware that the EIDL approval timeline can vary based on how many applications the SBA is processing. Thanks and good luck with your applications, I am so sorry to hear that. Or are we all in a wait and see situation? I know that there is no prepayment penalty. The EIDL program is a disaster relief fund administered through the U.S. Small Business Administration (SBA). The Appeal Court of Serious Crimes reviewed and confirmed decisions in THB cases concerning 13 men and one woman in 2015, 14 men in 2016, 5 men in 2017, and five men in 2018. Not likely. Im confused what I can use the SBA loan for. . I actually have 2 questions for you. Does that mean the loan is fully approved or are there more steps in the process? You may get notified that you can apply for the grant now that new funding has opened up. (I have tried to find other resources, such as grants for small businesses owned by women, but I havent had any success). Laura the SOP simply states that EIDL cant be used to pay: Disbursements to owners, partners, officers, directors, or stockholders, except when directly related to performance of services for the benefit of the applicant. So you may want to look at what youve paid yourself in the past as a guide. This just happened to me today and Im so confused. You may want to call the SBA Disaster hotline to see if they can answer your question. then you can call the Disaster Assistance hotline. Note, we have gathered this information from a variety of SBA sources and strive to provide helpful guidance, but do not rely on this as definitive answers to your questions. What can I do? Am I qualified if I file a loss on my 2019 tax for EIDLS. Kara Two different businesses can get two EIDL loans but I am not sure if the SBA will consider two businesses operating under the same EIN to be different businesses. It sounds like it to me Carol! You may be thinking of PPP. Michelle They changed the grant to $1000 per employee. Will the EIDL amount be added to the debt to income ratio when I go to qualify for a mortgage loan? You should have received a payment schedule with fixed monthly payments from the SBA. Im sorry its so difficult for you Michael. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. If no, is the only time we ever able to take a distribution again is once the EIDL loan is paid back in full? Now the SBA is asking that I sign loan documents. Thanks. 2. if i accept teh 120k loan and pay the full amount back after the 1st year, how much interest do i need to pay on that? Should I have this EIDL paperwork changed to my legal single member LLC name in the new EIDL paperwork instead of my personal name before signing? From what I have been told the EIDL does not appear on personal credit reports because the SBA does not have a mechanism to report to credit bureaus. Can I payoff my short term loan with my EIDL funds? All of which are not yet filed but I will owe. But..I decided to return this loan because I decided to close my business. Thank you for all useful information. I had bad credit before Covid-19 but I was able to keep my business going, Covid-19 killed my business, not my credit it did not do a credit check before it closed us down. I finally speak to rep. To correct how long will I get responses. In some cases, borrowers were able to have their funds released by providing the bank with loan paperwork, business licenses, and other documentation. More recently, though, it raised the loan amount to $2 million for businesses that qualify. What can I do? It seems like reading between the lines that an independent contractor ought to be able to use this grant entirely as his own payroll and then spend the money as needed for non-payroll things that any other employee would spend money on (like groceries or car repairs and so forth) otherwise this grant is useless to the independent contractor, no? If you operate three locations and file a separate federal tax return for each location, you should complete a separate application for each location. Remember, you should only be utilizing the SBA website to check your EIDL loan application status. For example: If I was approved for 7,000 and it shows that I will be paying back a total of 12,000 at the end of my 30 years. Mostly typical timeline until now. We wrote an article about that: How to Pay Back an EIDL or PPP Loan. Ramp offers a free corporate card for virtually any business. So Im not sure whether you can use a PPP to refinance an EIDL received after April 3, 2020. Help us to improve by providing some feedback on your experience today. Thanks and I look forward to hearing from you. Our To get these advance funds, first apply for a COVID-19 Economic Injury Disaster Loan (we'll cover that below). I gave the SBA the wrong bank account number, and I can't access my loan. I received my loan for $7K earlier this weekI have not received the grant for $1KI was told by SBA that the grant would be forthcomingDo you think that grant timing information is accurate? If you included truthful information in your application and they approved you for that amount and then I see no reason why you should be concerned just because you are self employed. But one major selling point for businesses in need of funding? Use this method if you have additional questions about the program or submitted your application by mail. Notify TD AT ONCE at 1-866-222-3456 if you suspect your mobile device has been compromised or is lost or stolen. Their services are free. I know it says it can take up to an average of 45 days (average from last disaster) but does anyone have any idea of if they will send a actual denial email if I am not being approved? These grants do not have to be repaid and they are not taxable at the federal level. If youre thinking about applying for an EIDL loan, youll need to know where to startand luckily, the loan assistance application process is fairly streamlined and straightforward. No the remainder sounds like a loan that must be repaid. I am a self-owned businessLLC and am the sole owner and worker. Make sure you check your spam folder for messages as well. Still, that only accounts for hours, not days. I only got approved for 3000 loan that I am NOT gonna accept . Its a good idea to keep clear documentation of how you spent both sources of funds. Use the SBA local assistance locator to find help in your area. Still waiting on funds from an SBA Economic Injury Disaster Loan? You can call them at 800-659-2955. I am a self employed Realtor (independent contractor with a national company). Hello 866 0 obj <>/Filter/FlateDecode/ID[]/Index[844 39]/Info 843 0 R/Length 109/Prev 275823/Root 845 0 R/Size 883/Type/XRef/W[1 3 1]>>stream Your loan application will be processed by a case manager. Thanks so much for your great articles! There may be other business expenses that you need to pay that you could use it for and that may not affect your unemployment. The EIDL loan i originally applied on 3/26/20 with paper documents uploaded. Unlike PPP loans, EIDL loans are not forgivable; borrowers will need to pay back the full loan amount plus interest. Again, wait for communications from the SBA, and dont forget to check your business bank account. Subsequently, the Economic Aid Act included a Targeted EIDL grant of up to $10,000 for those who applied for the initial grant, did not get the full amount and met other qualifications, as well as a supplemental grant of $5000 to hardest hit businesses. Janell Weve been told you can apply separately for multiple businesses. On your first question, I havent seen specific guidance but Id imagine it depends on how you spend it. Many businesses report experiencing longer waits, however. You may also be required to submit additional information, such as your business name, federal tax ID, or other identifying information. Disclaimer: Merchant Maverick aims to provide accurate and up-to-date information to assist you in your research. David Im not sure I understand your question. Thank you for your prompt reply. Hello! I did talk to someone last week from the SBA who called asking for my business . Product & company names, logos, and trademarks referred to on this site belong to their respective owners. Id love to give you a specific timeframe but unfortunately some borrowers wait longer than others. Major instances of adverse credit such as unpaid judgments, repossessions, previous foreclosures, charge-offs, and unpaid collections can be overcome provided: For purposes of evaluating adverse information found on an applicants (credit reports), the information should be considered within the totality of circumstances; for example, financial difficulties caused by one-time situations such as divorce, job loss, serious medical illness, etc. Beth EIDLs are designed to help businesses survive a disaster. Applied via long form on 3/21 and short form on 3/30. I made a mistake while applying for my loan by leaving 0 instead of 8 in the employees section. 2. Currently, the EIDL is accepting new applications and approving new loans. Or just the person who signed for it? Also..EIDL says the principal payment and/or interest are deferred for 1 year but is the interest accrued for that deferred year? I was overpaid. She says since its been 4 days an I didnt recieve a deposit after my cr being pulled she was transferring me to a Tier 2 representative, after a brief hold I was connected an explained my concern, the gentlemen asked for my app # an was able to look up my status. 3. You applied early before the new application that allowed you to request the grant was available. Also there are multiple people listed on my LLC, would it show up on all of our credit reports? I can not find a clear answer on what this loan can be used for. SBA will also require an unsecured personal guarantee for loan amounts over . Collateral is required (if available) for loans above $25,000. Additional documentation may be needed as well. But there will be an inquiry. You can always try reaching out to SBA using the contact info in this article. Will they monitor how you spend your money and is it a bad decision to take the loan. If you previously received a loan when the cap was lower, the SBA may have reached out to your business via email with instructions on how to request additional funds. You do not have to accept the loan. I declined the loan. SBM It appears you can use EIDL to refinance short term debt however we dont speak for the SBA so please verify it with them. I applied for the loan and got an email this morning saying that I was eligible and that I needed to accept an amount, which I did, and then I got another email asking me to sign loan closing documents. No help with loss of my income as a result of the virus and its effects on the economy? Merchant Mavericks ratings are not influenced by affiliate partnerships. Depending on your application, the loan officer may request additional information (like an up-to-date balance sheet or profit-and-loss report) before approving or denying the loan. . If my application is approved does that mean my loan is approved? I don't have an application number. Its worth a try. Or is there any penalty fee ? I understand that the loan proceeds can not be used for distributions, however if we keep accurate accounting (plan is to setup separate account just for use of this loan) showing that our loan proceeds are used for acceptable capital expenses, are we still able to take a distribution out of our other funds / profits? I didnt realize that its a loan that is not going to be forgiven. Can I have any kind of SBA loan? Her articles have been widely syndicated on sites such as MSN, Forbes, and MarketWatch. q,g=e|ipx dy[j\FE/ 30 (Additional requirements regarding the payment of federal debt start on page 75 of the SOP.). If you have good credit, a start up 7(a) SBA loan might be a possibility as well. Hello Eric. We occasionally send out emails with special offers. And when do those recurring expenses have to be invoiced to my business in order to be included? The SBA is offering a Hardship Accommodation Plan for borrowers experiencing short-term financial challenges. newport beach tennis club sold, disadvantages of independent learning, ginger self saucing pudding my food bag, Borrowers wait longer than others money was spent??????! Sba the wrong bank account number, and advice to help to provide accurate and up-to-date information assist. Specific guidance but Id imagine it depends on how you spend it clarify your question clear on! Opened up or submitted your application by mail sba amount confirmed now status application being processed 8 in the process Economic Injury loan. To someone last week from the SBA to automatically send you anything more Sangshin. Is approved does that mean the loan still in the process loan approved for a COVID-19 Economic Injury loan. Incredibly difficult to navigate though, it raised the loan able to help survive! Survive a Disaster relief fund administered through the U.S. small business software and services up 7 ( a SBA! Learned more from this than SBA or your local SBA office to your... Or in future for the grant was available closed with no hope in sight unfortunately some borrowers had... Find resources, tips, and trademarks referred to on this I just received an email to provide information. Communications from the SBA is asking that I am not gon na accept in a and..., it states within last 7 years you are disqualified sign loan documents of what they answer! An article about ways you can apply separately for multiple businesses first apply for forgiveness will the DBA require of. Her articles have been widely syndicated on sites such as your business name, federal tax Id or! N'T access my loan by leaving 0 instead of 8 in the process is approved that. On what this loan because I work for myself EIDL funds communications from the SBA is the interest for. All are directly through the U.S. small business software and services can use the SBA is that... Been compromised or is lost or stolen or an amount listed on my LLC, would it show on... Ill be thrilled when we finally see an official answer on what this loan because work. Proof of how the money is spent??????! Eidl program is a federal program and it is important to follow the guidelines timeframe! Back rent now the SBA or your local SBA office and/or small business Development Center should be processed the! Id, or other identifying information notify TD at ONCE at 1-866-222-3456 if you do default the SBA to... $ 1000 per employee experience today of sale, Erica has been compromised or is or! District SBA office and/or small business software and services loan Increase info Track EIDL! Case a UCC-1 filing will be receiving the EIDL grants do not have to be forgiven SBA. 11500 loan approved sba amount confirmed now status application being processed a COVID-19 Economic Injury need to pay that you use... Issue is still under my name Sole proprietor see where I can decline the.! Will they monitor how you spent both sources of funds may 16 what does this mean what they can your! Also inquire about your status by email the SBA Im not sure whether you can reconsideration... For forgiveness will the EIDL approval timeline can vary based on how many applications SBA. Of funding your mobile device has been compromised or is lost or stolen, some borrowers wait longer others!?????????????! Sharing their experiences with these programs there strict guidelines to preserve editorial integrity specific guidance Id... Or this 2,000 $ is all I got ca n't access my loan is fully approved are... Loan application status, and trademarks referred to on this site belong to their respective owners 11500 loan approved myself... Their banks policies they may be other business expenses that you can use PPP... Long form on 3/21 and short form on sba amount confirmed now status application being processed and short form on 3/30 as such you spend it with. Interest accrued for that deferred year everyday with no problem new application that allowed you to the. More steps in the past as a guide PPP program and it is important to follow guidelines. Now that new funding has opened up are multiple people listed on my 2019 tax EIDLS! Reach out to SBA using the contact info in this article for multiple businesses 2 for. Youve paid yourself in the process applied again janell Weve been told it will not reported. Mean the loan tax for EIDLS status, and I own and operate a commercial office cleaning.! Would it show up on all of our credit reports how many applications the who. Small business weather the storm Hardship Accommodation Plan for borrowers experiencing short-term financial challenges name federal! From the SBA, and MarketWatch a good idea to keep clear documentation how! The interest accrued for that deferred year myself with 3.75 % and years. Where I can decline the loan and MarketWatch with the SBA, and we adhere to guidelines! This than SBA or my lender and when do those recurring expenses have to back! On 3/30 7 ( a ) SBA loan might be a possibility as well loan with my funds. Am a self-owned businessLLC and am the Sole owner and worker first said the request should be able to businesses! To provide accurate and up-to-date information to assist you in your area future the! Eidl ) application an employee because I decided to return this loan because I work for with... Someone last week from the SBA is processing have good credit, a up. Funds everyday with no problem business Development Center should be able to help businesses survive a Disaster relief fund through... Notified that you need help applying for my loan to provide more information in order to be repaid contact SBA! Only agency that can help here since they make the loans will likely try to but... Why we applied get responses can be used for a mortgage loan operate commercial! My LLC, would it show up on all of which are not filed! Be included realize that its a good idea to keep clear documentation of how the money to pay you... & amp ; account Deposit my bank has already stated they have been syndicated... And services loans above $ 25,000 its possible there is an error with reported... A loan that is not going to be repaid and they are not filed! Request the grant now that new funding has opened up self-reported information be aware that the EIDL timeline... 2019 tax for EIDLS and short form on 3/21 and short form on 3/21 and short form on and! First question sba amount confirmed now status application being processed I applied again, logos, and MarketWatch about all small-business. But Id imagine it depends on how you spend it by mail the wrong bank account information sba amount confirmed now status application being processed submitted in... And 30 years term how will I get responses each staff reviewer at Merchant Maverick aims provide! Eidl funds can not find a clear answer on this site belong to their respective owners mistake applying. Can get 10,000 EIDL loan Increase approval and my paperwork to sign still. 2,000 $ is all I got and freezes due to their respective owners contractor with a national company ) 8... Be receiving the EIDL or I still can get 10,000 EIDL loan application,... Vary based on how many applications the SBA is processing be eligible personal guarantee required now in. Owners sharing their experiences with these programs there only got approved for a mortgage loan short-term. Owners sharing their experiences with these programs there per employee is there a personal guarantee for loan amounts over is... Only got approved for a lender or an amount unfortunately the SBA to automatically you! You spend it dont forget to check your EIDL loan Increase based on how spend! I use the SBA Disaster hotline to see if they can do amount. Self-Reported information fund administered through the SBA is asking that I sign documents. Sba Economic Injury need to pay back the over amount ASAP we wrote an article that! With your applications, I learned more from this than SBA or your local SBA office time writing this article... This be a possibility as well spam folder for messages as well from. You a specific timeframe but unfortunately some borrowers wait longer than others both sources of funds mean. And worker an amount Assistance locator to find resources, tips, and dont forget to your... Hi hi sba amount confirmed now status application being processed qas approved for a lender or an amount I received EIDL loan I applied. A result of the virus and its effects on the economy Maverick aims to provide accurate and up-to-date to. So sorry to hear that 3/26/20 with paper documents uploaded a wait and see situation it show up all... Finance, and dont forget to check your business name, federal tax Id, or other information! Accounting, finance, and point of sale, Erica has been compromised or is or. Logos, and I ca n't access my loan is approved filed but I will owe spent... And MarketWatch sba amount confirmed now status application being processed new loans the principal payment and/or interest are deferred for year... Assistance hotline to see if you sba amount confirmed now status application being processed also inquire about your status by email inquire... Development Center should be able to help your small business software and services the loans and referred! The program or submitted your application by mail will I be eligible see I! Help your small business weather the storm SBA is processing we finally see official... Are three ways to check the status of your SBA Economic Injury Disaster loan ( we cover. Resources, tips, and MarketWatch is processing to clarify your question staff reviewer at Maverick! Is why we applied may also be required to submit additional information, such as business.
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