[MCA]

EIDL, NOT PPP, hence this is why a business owner would use an agent who knows what they are talking about. The PPP is the primary loan to apply to, the EIDL is secondary and only reason to apply would be to get the up to 10k grant

Not sure I am tracking what you are saying here? PPP is the payroll loan 2.5x your monthly payroll. EIDL you can receive up to $2 million over 30 years with a 3.75% rate, you can also have both EIDL and PPP. I believe the EIDL would get you more money over a longer period than the PPP. The $10k grant is basically for just applying for the EIDL, you get that and you don't have to repay, it doesn't affect your EIDL application and additional funding you would receive after the 10k grant.