Hubs has a micro business (smaller than small-himself and a former co-worker who is a sub contractor) I do all the bookkeeping and regulatory compliance which there is a lot of here in the People’s Republic of Cuomo. It’s an LLC and NYS puts you through the ringer.
I am in much the same situation as you. Don’t usually get a refund but wound up with unexpected losses in 2020.
While I did finally receive my refund in May, I vowed that I would not do that again: from now on, I will select the “apply to next year’s tax” option and adjust my quarterly payments accordingly.