My accountant recommended I take the 40K loan in May. I was resistant but ended up doing it. I will have paid back 30K of it by Feb 2021 at my current rate. Supposedly the last 10K will be forgiven because I've paid it back within the proscribed window of time......we'll see. I don't trust this govt at all. I will pay back the remaining 10K if it avoids any sort of govt involvement in my biz.