You get 2.5 times your average month salary cost (10 weeks), but you only get forgiven what you spend on salaries for 8 weeks. You can be forgiven up to 25% used for mortgage, utilities, and something else that doesn't apply to me. Put the wife/gf/family member on the payroll and use it up and that way.

Yes, you use that $$ for payroll (Keep PERFECT records to show it) and hold your cash for when you need it. I recommend establishing a separate account to hold the PPP $$ and transferring the exact amount to your payroll account after payroll is calculated.