Can someone explain the rationale of how this works? I don't get it. Does the small business take a loan (at 3.75%) to continue paying payroll, despite not hav

Can someone explain the rationale of how this works? I don't get it. Does the small business take a loan (at 3.75%) to continue paying payroll, despite not having any income or any work for the employees to do? Or are all the laid-off hospitality/entertainment industry workers going to go get a loan to start their own businesses (not hospitality-related, obviously)? What am I missing?