To apply you have to make certain representations that you need the money as a result of COVID-related disruptions and will use it only for certain purposes, an

To apply you have to make certain representations that you need the money as a result of COVID-related disruptions and will use it only for certain purposes, and one is at least theoretically criminally liable for filing a false statement if that's not the case. Also, you only get the loan balance forgiven if it goes to payroll (must be at least 75% of the total), rents, and utilities.