My understanding is that even the disaster loans will still require collateral and personal guarantees. Unsure if they're waiving or changing those rules or plan to.

Disaster loans have been around long before COVID-19.

Again, this is different than the Paycheck Protection section of the CARES Act which covers 2.5X of the average monthly payroll from 2019 that is subject to loan forgiveness and does not require personal guarantees or collateral.

I've just gotten the paperwork for our disaster loan. The COVID loans do not have a personal guarantee. That was one of the items on the first relief bill that specified this program on March 6.