I would say....correct. I own a small business that has been shut down since March 2020. We use mostly independent contractors so when I looked at the PPP I knew we didn’t qualify. My daughter and I filed for unemployment instead.
One of my subcontractors applied for PUA. I applied for an EIDL which I am paying back double time. I’m also employed with a regular full time job so I don’t need to do PUA.