PPP for Independent Contractors

VP at a bank ($53MUSA)
I'm not clear as to how independent contractors could meet the criteria for forgiveness that the use of at least 75 percent of the loan proceeds be attributable to payroll. We have independent real estate agents, hairdressers, single-person shops of plumbers and electricians, etc. inquiring about loans. We don't want them going into this with the impression that the loans may be forgivable, if there is no way they will qualify for forgiveness.