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How these small-business owners in the Philly area got money from the SBA’s Paycheck Protection Program

Persistence and quick action were essential. A relationship with a banker helped. And some owners found success applying with online lenders, including PayPal, OnDeck Capital, Kabbage and QuickBooks Capital.

Vet tech Ashley Kultau, left, and Dr. Marisa Shulman check out Orik at Riverview Animal Hospital on Thursday, April 9, 2020 in Chattanooga, Tenn. With a 25% drop in business due to the COVID-19 pandemic,  Riverivew Animal Hospital has applied for a federal paycheck protection loan to help keep the full staff employed. But what were the secrets of those who got loans? (C.B. Schmelter/Chattanooga Times Free Press via AP)
Vet tech Ashley Kultau, left, and Dr. Marisa Shulman check out Orik at Riverview Animal Hospital on Thursday, April 9, 2020 in Chattanooga, Tenn. With a 25% drop in business due to the COVID-19 pandemic, Riverivew Animal Hospital has applied for a federal paycheck protection loan to help keep the full staff employed. But what were the secrets of those who got loans? (C.B. Schmelter/Chattanooga Times Free Press via AP)Read moreC.B. Schmelter / AP