Does your customer have an SBA loan?
If so, did you know the government is required by law to make your payment? As of April 1, 2020, the Government is required to make your SBA loans issued prior to Sept 27th, 2020. They will make the payments for a total of 6 months
All you have to do is simply stop making your payments.

https://www.sba.gov/funding-programs...ba-debt-relief