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The Paycheck Protection Program (PPP) was an SBA-backed loan that helped small business owners keep employees on the payroll during COVID-19 and ended on May 31, 2021. The FFCRA, however, is an ongoing program designed to help businesses that are still struggling to get back on track after dealing with restrictions due to the pandemic. Unlike the PPP, the funds you get from the FFCRA are not a loan, they’re a tax refund of your 2020 or 2021 filing taxes, so you’ll never have to pay them back.
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