A PPP Loan is not your rainy day fund.
If your business isn't materially impacted yet, you don't qualify.
If you're able to make it without the money, but would feel better with the cushion "just in case," you don't qualify.
If you're telling yourself that you owe it to your investors to apply for the money because you want to protect their interests, and you owe it to them to get low cost/free money, you're rationalizing.
There's a very limited pool of money, and lot of need...if you take money that you really don't need, you're cheating others and are literally putting others out of work.
It's that simple.
Integrity is about doing the right thing even when no one is looking, but information about who gets these loans will be public, and there will be considerable scrutiny.
Now, more than ever, is the time to do the right thing.