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I certainly could be wrong but that’s what I heard. I’m not a small business owner but I heard this from friends that are.

“Pending” could mean they didn’t start reviewing your app yet and if that’s the case you could be out of luck because all the money is gone. And weren’t these loans capped at $10-15K? I think approved loans were reduced to that amount. Fir example, you applied for and were approved for $200K...