It’s no secret that nearly all the $800 billion in Paycheck Protection Program loans issued by the federal government have been forgiven. Now, some borrowers whose requests for forgiveness were denied are taking their cases to court.

The U.S. Small Business Administration is facing suits by businesses claiming that the agency wrongly withheld forgiveness of their PPP loans. But debtors could find that the SBA, whose administration of the PPP program was criticized as haphazard in the early days, may now be playing hardball as the program has matured.