One of my favorite bagel shops is barely making payroll during this shutdown, and only because they are heavily innovating how they keep customers. They are no

One of my favorite bagel shops is barely making payroll during this shutdown, and only because they are heavily innovating how they keep customers. They are now offering meal kits, so you get a meal for two to four people in one easy go, they started shipping via USPS, and they are doing local deliveries. They make their own in-house butter, cheese and cream cheese so their kits do fairly well. They are also increasing what other items they are selling, such as adding bread to their lineup. Which is absolutely fantastic. But it's still hard for them, with the reduction in people coming in and sitting around they don't get people buying a bunch of coffee or having breakfast and then lunch while chatting. They have had to furlough some of their staff, and I really hope they make it through, because another favorite restaurant of mine is going under, they simply can't afford to keep going, even with a loan that would help pay salaries, there are other contracts and payables due that simply can't be covered with enough loans... loans against what collateral?