"I don't think she qualifies"

You have two things to consider.

If the individual qualifies or not as an impacted person: 2020-50 includes closing or reduced hours for a job or business, and delayed job start.

There is nothing in the code that states a person with a job cannot also be a business owner, and in fact, we have seen people getting PPP/EIDL for their S Corp and their Sole Proprietorship.

Also, the taking of the funds. From 2020-50:

"Thus, for example, for an individual who is a qualified individual as a result of experiencing adverse financial consequences as described above, coronavirus-related distributions are permitted without regard to the qualified individual’s need for funds, and the amount of the distribution is not required to correspond to the extent of the adverse financial consequences experienced by the qualified individual."