The Paycheck Protection Program (PPP) was designed as a bridge to help business owners cross over these uncertain times to our new normal.   Unfortunately, in the rush to help the entrepreneurs, guidance to apply was delayed and then changed.  The self-employed and independent contractors were most effected with a delayed application date and a long line of businesses ahead of them in what has become a first come, first serve situation for loan approval.  

Even with the replenishment of the PPP, it is still uncertain that the self-employed who are qualified to receive a loan may never get to use that bridge.  Only time will answer that question.  The good news, if we can call it that, is that entrepreneurs typically have the drive and ability to make it through uncertain times, with a little help from their friends.