Your Business Internet & Phone Expenses Can Be Forgiven With The Paycheck Protection Program

A letter to my fellow business colleagues and clients,

As a small business owner myself, I have been impacted greatly by the COVID-19 pandemic just like many of you. Being an advisor to hundreds of businesses for their business phone and internet services, I have taken a proactive approach to learning about how we can work through the government programs that are offered to keep our staff in place and keep our business running at some level of normalcy. In doing so, I have found a very interesting detail within the Paycheck Protection Program (“PPP”), under the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) that I would like to share with you.


What Can the Loan Proceeds be Used For?

The loan proceeds can be used for more overhead expenses than what went into calculating the amount of the loan, including:

  • Payroll costs (see for details)
  • Interest (not principal) payments on mortgages
  • Rent
  • Utilities
  • Interest (not principal) on any debts that were incurred before February 15, 2020


According to the CARES Act, your phone & internet expenses can be up to 100% forgivable:

The Paycheck Protection Program is designed to provide a direct incentive for small businesses to keep their workers on payroll by providing each small business a loan up to $10 million for payroll and certain other expenses. 

If all employees are kept on payroll for eight weeks, SBA will forgive the portion of the loans used for payroll, rent, mortgage interest, or utilities. Up to 100 percent of the loan is forgivable. (reference)


What does this mean for you as a business owner?

When a loan is taken out with the PPP, the money that is used to pay for your business related utilities are eligible for up to 100 percent forgiveness. These utilities include telecommunication services such as your phone and internet services.

In short, those expenses related to your business phone and internet services can be considered a free grant as one of the items in your forgiveness application form.


How Can I Take Advantage of This Benefit?

Phone Systems – If you already have a phone system in place that is capable of remote operations (things like call forwarding, mobile phone integrations, internet based calling, team paging, etc.), nothing needs to be done. If you don’t have those systems already or think you’re paying too much, now is the time to take advantage of a powerful phone system with no financial impact. Oftentimes, these services are similar in price (or cheaper!) than your current business phone services.

Internet Services – Business internet services are very different from your home services. With that, the speeds, bandwidth, and security features may lack. Furthermore, the cost is usually higher in a business setting. We are here to help you with two things. 1) Save money, and 2) make sure you stay connected without any business interruption.

We are offering our services for FREE to make sure you are not overpaying for your services and remain operational at your fullest capacity and capability!

Friends, Colleagues and Clients: Please feel free to reach out to me with any questions or concerns related to anything Business Internet or Phones. My purpose through this challenging time is to be there for you. We don’t want to make money, we want to make friends. I hope to help make this time just a little bit easier for you.


My phone is always available, (305) 910-2324.

Stay healthy and stay safe,

Emilio Diaz

Founder – nQuery Telecom Solutions

(305) 910-2324  |


DISCLOSURE: The views and information expressed herein are those of the presenter; they do not necessarily reflect the views of any banks, accountants, CPA’s, or attorneys. We always recommend speaking with your accountant/CPA for any financial matters.

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Emilio and his team are awesome! I have been working with them for quite some time and nQuery has never let us down. They are the perfect partner to help us source and manage our telecom needs. I’ve worked with a lot of companies in the past, but none of them provided the service that Emilio does. He’s quick, thorough and offer solutions. That’s what I need in a partner. #bestofthebest

Nancie Dudash, Chief Operating Officer, Quest Workspaces

I have worked with the nQuery team for over 7 years now. They have been a valued asset and trusted advisor for me in the telephony space. Through the years they have expanded their service portfolio to meet my needs. nQuery will always be at the table when I am making my technology decision.

Leterron Lewis, Director of Information Technology, Palm Medical Centers

Emilio and Rafael got us set up with our business internet and VoIP phone system and were great to work with. They responded quickly and made sure to get us up and running as smoothly as possible. Rafael routinely follows up to ensure we have no issues and remain satisfied with the services we use.

Francisco Leon, Aran, Correa & Guarch, P.A.

Emilio and the nQuery team are not only really good at what they do, but they are a truly caring and ethical company. They can find the best service provider solutions without charging you for this valuable consulting. If you think that you might be spending too much money on phone and internet service, or if you’re just tired of being on hold and shuffled around by Comcast and AT&T, you seriously need to give nQuery a call.

Diane Moura, ZenChange Management Consulting

Emilio and his team at nQuery were instrumental in helping us make the right move to a better internet service provider. They did all the legwork and presented the pros and cons of each option while serving as liaison to ensure the migration was seamless. We highly recommend Emilio and the team at nQuery for their professionalism and knowledge.

Leo Gonzalez, Sharp Insurance Agency

nQuery Solutions assisted with the evaluation process of the bank’s telecommunication requirements. Emilio and his team demonstrated their in-depth expert knowledge of the telecommunication industry and were able to provide an array of viable alternatives. After the evaluation process concluded, nQuery’s post sales support was exemplary as they were engaged throughout the implementation phase. I regard Emilio and nQuery Solutions as a trusted advisor.

Roger Sosa, Vice President, Senior Operations and IT Officer, International Finance Bank

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By |2020-03-31T18:20:19+00:00March 31st, 2020|Business, Internet, Technology, Telecom|0 Comments

About the Author:

Emilio Diaz
As the founder of nQuery Communications, Emilio Diaz uses his 25+ years of experience in the technology business to help build cost-effective communications and technology solutions for businesses, nonprofit organizations, and government institutions. His experience as an innovative technology entrepreneur and a long-term business owner gives him intuitive insight to help boost productivity and maximize future growth. You can reach Emilio at or call 305-910-2324.

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