I think that you consider putting a claw back into the agreements, in that any moneys advanced by the schemes will be recovered in part or full out of the 2020/21 profits EBITDA made. This would ensure that any business that would have survived without furlough is not benefiting.
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I am concerned that many viable companies will apply for aid even if they dont need it. E.g. let's furlough some of our staff to make more money. They are not vital but we can get money back. So a food manufacturer who us seeing increased demand, will make more profits could ask the government to help them make even more money. Same goes for financial institutions. .