I’m not sure there’s much in this bill to bail out most independent restaurants. Loan forgiveness is contingent on keeping employees on the payroll, but with no tips, a lot of them would be getting way less money than usual, and would be better off with unemployment, at least for the four months the feds are kicking in an extra $600 a week.
Given most restaurants’ tiny margins, paying rent and other fixed costs with loans would leave many places with too much debt to survive.