Tom Gillespie is an industry leader in debt collection. He is the president of Access Receivables Management in Hunt Valley, Maryland. 

The Paycheck Protection Program loans, Economic Injury Disaster Loans, the Main Street Lending Program, and state and county loans and grants have provided a safety net for many small-business owners. In essence, these stimulus measures and relief programs have created opportunity for some and strengthened balance sheets. In comparison, during the Great Recession, there were no bailouts for small businesses, and credit was much harder to get.