Back in February, who would have thought that those three little letters, PPP, would come to define the business culture for small and medium-sized businesses throughout the country? The Payment Protection Program and the alliterative phrase, “The PPP,” have given millions of American business owners hope through this COVID-19 pandemic, while also causing unknown liabilities for business owners already struggling to see the future. After such immediate popularity, the time has come to see if this massive infusion of government cash worked as planned, or if the PPP loans will indeed be a burden on the backs of businesses for years to come.

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