The SBA clarified the rules for forgiveness on May 18th. You can find them and the application form here

Even with the help of financial advisors we have found it hard to understand the various programs and how to access them. This NY Times article is straightforward and we thought it might be helpful to our retailers and sales reps.

Reps and retailers are eligible for the PPP (Paycheck Protection Program) loan, which is forgiveable under certain circumstances. Even if it is not all forgiveable it is a 1% interest loan. It is expected that more funds will be available soon. Kabbage ( is accepting applications and has really clear guidelines. Do not delay in case funds run out again.