Regarding the EIDL (Economic Injury Disaster Loan)
Loans are available for reasons other than payroll costs .
This allows for a emergency grants in the form of an immediate advance of up to $10K
Advance can reduce the amount forgiven by $10K if you also apply for PPP.
Loan is payable over 10 years at 3.75% interest rate.
Resources: EIDL Application
Resources: Program Details