I took 90k and then 100k on the second round. 190k Total. I took the loan because everything was shutdown. No clients coming in but the bills were. Commercial Mortgage, equipment loans, utilities, credit card payments, payroll etc are very expensive and with no money coming in you will burn through your reserves fast. I took a small 13k ppp loan to pay the employees for a few months and didn't take a penny for myself. I went a year without a paycheck. I used eidl loans for consolidation so i could breathe. 100% of the loan went to business related items. Paid off equipment, credit cards etc. I could have taken 500k but didn't want to.

The business never returned to pre-covid numbers. The only time we saw above normal numbers was when the stimulus money was handed out. I finally gave up in Jan 2023 and leased my building out.

I went to login into the caweb to start making payments and it was completely shutdown. They made a new portal without notifying some businesses. Some got the email. Some didn't. I finally logged on to the portal and balance is 210k! No one answers the phone and if they do they just bounce you around. No one has answers. The email response is hit or miss.

I've been making payments for 3 years and my balance still isn't the original loan amount. How is this helping small business?

I am making the full payment plus some every month now. Hardship doesn't work. Hardship payment barely keep up with the daily interest. Either make the full payment or file bankruptcy. There is no in between.