Both of my sons run businesses. In both cases they are now, substantially working from home and in each case face to face contact with staff and clients has been cut back. In each case this will hit income. The government support will help and both are likely (one more than the other) to have pent up demand after the crisis. That together with the reserves they built up in better times and government support will see them through. Their pension funds have taken big (paper) haircuts though.