Second this. They will often have seminars about business start ups and can also assign a mentor to answer questions. It’s perfect for what OP needs.

We have some physical disaster and EIDL loans that total up to about that with similar terms. My mother REALLY wanted to pay them off since we had the cash. I told her that she should just take a draw to pay off her new build house and then think of the SBA loans as a very low interest mortgage (she was looking at 7-8%) instead of just random debt that she should pay off ASAP.

There’s “debt averse” and then there’s “that’s a really bad idea even if it’s paying something off.”

You literally need to block him and never speak to him again. This is the origin story for half the characters on Orange is the New Black.

They sound like seasonal W2 to me. As long as you have a minimum hourly rate and pay overtime based on that hourly rate you’ll be in compliance with overtime regulations (could even be straight up minimum wage). The fact that you typically (always?) pay more based on their production is fine. Just don’t ever pay them less.