"We had a tremendous amount of interest in the PPP loans, companies that were downloading the reports, that were applying for the PPP loans on Rippling," Conrad told Business Insider. "They were told there was a way to get this loan forgiven, and we'll get you some guidance later. And then the guidance comes out and says that in order to get the loan forgiven, you have to have already spent it, and I think a lot of people are saying that it's just not fair.
"The application is like a tax return. It's very long and complicated — it's not like the 1040EZ, it's like the 1040 long and hard," Conrad said. "For us, we're doing a lot of this for our clients, so it's a business opportunity for us, but at one point this was presented as a very simple loan application, and now it's become very complicated."
"For most businesses, their 941 forms aren't available until after the end of the quarter, so the government is encouraging them to submit draft 941s," Conrad said. "But for any business that is doing this through a payroll company, there's no such thing as a draft 941 — the payroll company submits it electronically to the government after the end of the quarter and provides them an as-filed copy.
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