Paycheck Protection North Texas SBA

Joe reviews the new SBA Paycheck Protection Program. Coronavirus Aid, Relief, and Economic Security (“CARES”) Act allows business to access resources to address challenges associated with COVID-19.  Specifically the forgiveable loans,Paycheck Protection, for payroll and overhead expenses.  Additional resources below for SBA Lenders in North Texas.

This situation is dynamic but this is the latest on what we are seeing as appropriate documents:

  • Documentation verifying the number of full-time equivalent employees on payroll as well as the dollar amounts of payroll costs, covered mortgage interest payments, covered rent payments, and covered utilities:
    • Federal Tax Returns – 2019, if completed
    • Payroll Tax Reports
    • IRS Forms 941, 940, W-3, etc
    • Other Items as necessary
  • Copy of Borrowing Authority and Affiliate Listing (if applicable):
    • Certificate of Incorporation/Formation filed with the state
    • Articles of Incorporation and By-Laws
    • Company Agreement
    • Partnership Agreement
    • Assumed Name Certificate filed with the county and state
    • Other Items as necessary

Banker Quote:

"Don't Panic.  We'll get through this. It will take a while"

Application Updated: SBAv2  (updated)
Application Updated: SBAv2  (updated again newer) but not fillable at this time.
Interim Final Rule: IFRN (page 8 explains how much you can borrow)
Reports SBA E-Trans Portal Down 4/6/2020
2nd Round Funding begins 4/27/2020. Some update guidelines to be a little more permissive with bankruptcies. Loans seem to be two year terms at 1%.

CHECK back for updates or contact your banker directly.

SBA Lender Process Dates Fees Contact Info
Frost Bank Will start Accepting April 3rd, 2020
Approval Time unknown
Heather Hurd
BBVA Compass Link
Kimberly Heinrich
Lakeside Bank Link Kevin Pate
(972) 771-8311
Amegy Bank Waiting on SBA for Direction
Approval Time unknown
Kelly Bowman
BB&T Bank Waiting on SBA for Direction
Approval Time unknown
Wells Fargo Closed Portal 4/5/2020  

Feel free to send us any additional information at or call us at 972-997-8200

Lastly, Collin Allred, the local US Rep, is encouraging those who are having difficult to contact him for help with Economic Injury Disaster Loans or Paycheck Protection Program -

Posted in Einstein's Eyes, Small Business Resources | Tagged cornavirus, covid-19, small business

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Know your Audience – this is a little tricky for small businesses. But what you sell is actually second to what the sale does for your client. What benefit does it provide? You probably already know this but it is important to scratch out a list. This list will help you develop marketing ideas.

Grow Your Data – this can apply on so many different levels. But first and foremost it is about collecting contact info for clients, prospects, and suspects. You should always keep this info top of mind. Grow it, groom it, and use it.

Write/Ideas – Content creation is more important than ever. This part stumps a lot of people. Take 10-20 minutes to open up a word doc and write your thoughts on new product, recent project, a client, etc. You'll find ideas can be easy. These ideas are just some of the seeds for further content development. Many people get stuck thinking they need a completed article or marketing piece. Don't start their. Start with a 100-200 word description - bullet points, outline, etc.

Develop and Diversify – once you have a few ideas written down, you can develop marketing pieces. This can be an article, infographic, white paper, or success story. You can turn it into a post for social media, a case study for your website, a newsletter article, etc. One of our first marketing efforts we used was emails. We sent out emails about successful websites. There was a small description with an image of the website. That was it. And at the end of the year we listed all our new clients to thank them. Don't over think it at first. The more ideas you develop the easier it gets to branch out.

Schedule – the last part of the process is to develop a calendar. Set up the calendar for all the parts. Not just the public launch but all the steps prior to. For example 1st Friday – 2-3 article ideas. 2nd Friday – write one article. 3rd Friday – Create newsletter article with images. 4th Friday update newsletter email list and send newsletter.

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  3. Promote the winners, discard the losers. If a new blog post gets you 100 visits and a new facebook post gets you 1,000 visits and 20 sales. Know that all things being equal a facebook post is more important.

  4. Don't be afraid to experiment. Marketing rarely stands still. You have to find ways to try new campaign variations or types. Be aware of the set it and forget it mentality. You should always be working for improvement.

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