Narrative on credit issues

like the last paper for SBA, they like to have some kind detailed explanation on why i have low credit score and negative history.ex, just like other people who suffering COVID-19, i had to closed my business for months and have zero income so i could not be able to make business related payment and had to live or relay on credit card to pay my living expenses. i am a small business man with small business not like other big and famous restaurant with big bank account. i was surviving month to month last 5 years and before COVID-19, I had all good payments history plus other business people trust me to barrow money, but right now no one would work with me.