Pauline Peng Skinner, who runs a small wholesale business in Richmond Hill, Ont., says her bank told her in early December that she isn't eligible for the CEBA loan she received. But earlier this month, she said, she was told by her bank HSBC that she wasn't eligible for the money she received more than three years ago. Peng Skinner said she's now being told she's expected to repay the loan in full by Dec. 31. "The flexibility that we are providing is significant support for small businesses who might still be struggling to make ends meet," the spokesperson said in an email. But Peng Skinner said the way she was told at the last moment to pay back the money isn't fair.