The Coronavirus Aid, Relief, and Economic Security (CARES) Act allocated $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn. Despite full loan forgiveness for self-employed borrowers, many are now questioning whether they can survive the storm.

With ongoing uncertainties about the application process itself, many borrowers are frustrated and worried about their status, says David R. Roth, a shareholder with Munsch Hardt Kopf & Harr.