At the end of October, the six-month loan deferral period had ended. The end of the moratorium on loan repayments will be the first examination of how the crisis has damaged the economy. However, according to a survey conducted for the client Lidya within the PR services by the Native PR agency, more than a quarter of small and medium-sized companies will not have the funds to repay their loans. Given that the research took place before the introduction of current government measures, it can be expected that the reality will be even worse.