Got an $150K EIDL offer - should I take it?

[Alvin Uy]

So I just got approved for $150k SBA EIDL under my design biz (not real estate related biz).  Terms are 3.75% interest rate w/ 30yrs to pay.  $731/mo (P/I)..  First payment does not start until after 12mos from disbursement date.  Sounds too good, but there's limited use of funds. I'm still receiving $10k/mo salary through my biz so this will help because I need to maintain my W2 so I can still qualify for loans to buy real estate.  But not sure where my design biz will be for the next 30yrs... it is a slow crawl right now due to COVID19 and almost feels like i have to start all over.   Of course, my mind goes straight to finding ways to use funds and invest in RE somehow... but I don't think I can take the draw all at once. That said, it's been a week since approval and offer... but I still haven't pulled the trigger to sign the note.  

What would you do if you were in my shoes?  If you have gotten the EIDL, I would love to hear your thoughts and perspective.