re: PPP Loan Forgiveness App is finally out

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This is our situation. We had a payroll three days after funding and have another payroll four days past exactly fifty-six days.

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Same.

We pay twice a month.
Had a payroll 8 days after funds disbursed.
Final payroll will contain one day that falls within the 56 day window.

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I'm taking the approach that since you paid payroll right after funding. Include it. Then taking the amount of payroll that was incurred at the end of 56 day/8 week but paid after the 56day/8 weeks. So include the stub period but paid after.

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This is the assumption I'm operating under. But if we could include the FULL final payroll that falls after 56 days but nonetheless includes some days within 56 days, that would help.

is anyone else facing a dilemma with retirement contributions?
I included 8 weeks prorated SEP contributions on the advice of our CPA but we do the actual funding at the end of our fiscal year in March. Due to an error on our part way back when we started the SEP we are always one year in arrears on each employees tax year, so we are maxed out for the 2020 tax year and can’t contribute until January

I was thinking about just opening a new money market account at vanguard and stashing the 8 weeks funds there and see what happens on forgiveness review