Hi Moana, in case you are running your two businesses as a sole-trader, a quick follow up to Andy’s note to confirm you could be eligible for the ‘wage’ subsidy through WINZ. You don’t have to be an employer. The 30% reduction test would apply to your self-employed earnings with no requirements around payments to employees. Detail around the Government’s finance guarantee scheme isn’t out yet, but the announcement indicated application to businesses with a turnover of more than $250,000