Remove the Payroll Test from the Canada Emergency Business Account (CEBA) Eligibility

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Many small businesses have been excluded from the COVID-19 Canada Emergency Business Account (CEBA). The CEBA provides credit for small businesses to pay immediate operating costs such as payroll, rent. utilities, insurance, property tax or debt service. It is 100% funded by the Government of Canada. 

However, many small businesses who are most vulnerable at this time do not qualify due to the "Payroll Test" this loan program requires. 

The requirement: "This loan is available to Canadian Employers with $50,000 to $1 million in total payroll in 2019." Although the Government of Canada web page states this loan is for "smaller (i.e. micro) businesses" this 'Payroll Test' is excluding these same businesses this loan is meant to help. Businesses who operate as sole proprietors with a small staff or low payroll expenese are finding they do not have $50,000 in payroll expenses for 2019. Also, business owners who do not take a salary for payment because of how their businesses are set up are also not eligible for the program. (Many small business owners who are just starting up, often do not take a salary in order to keep money in the company to operate). 

Therefore, we are asking "THAT THE FEDERAL GOVERMENT ELIMINATE THE PAYROLL TEST IN ORDER TO MAKE THIS LOAN MORE ACCESSIBLE TO THE SMALL BUSINESSES IT IS INDENDED TO SUPPORT".