Well, first, you told us he isn't impacted. Next, the programs available are mostly loans, and very unlikely to be forgiven as if they are grants, so the restatement is:

Why can't he go into debt, anyway? I guess the answer is, ask your own bank.

Next, as a Tax Professional, you might want to point out:

Gee, what you are doing likely is worker misclassification. If all of these people work for you under your control and at your discretion and direction using your equipment, they should be Employees on Payroll. So, does he really want Scrutiny of this relationship?

That's where I would start.