Some of our small business clients are determining whether the small business federal loans are necessary and suitable for their business. Two sources for answering you questions are the US Small Business site and https://disasterloan.sba.gov/ela/ and the George Mason University Small Business Development Center
https://masonsbdc.org/wpcontent/uploads/2020/03/Three_Step_Process_SBA_Disaster_Loans.pdf
https://masonsbdc.org/wpcontent/uploads/2020/03/Three_Step_Process_SBA_Disaster_Loans.pdf