The $40,000 loan is available to my members right now. However, it's not enough. The money is allocated in advance to our clients. We must reimburse our clients, and they won't be there this summer because our camps have been cancelled. We must refund all the deposits.
Our borrowing capacity is relatively limited, since we operate two months a year. We must pay back this money at some point. This currently puts us at risk of having to borrow money. This has repercussions.