A City Island gallery owner says after four decades in the business, nothing compares to the financial and emotional burden of the coronavirus pandemic.

Ron Terner owns Focal Point Gallery. It is not officially open for business due to the pandemic, but says he won't chase a customer away, especially if his next meal depends on it.

As a photographer, Terner has gone through the transition from film to digital, cameras into phones, all of which meant less business for him. He says nothing compares to what is happening now.

Terner supports his art gallery by shooting events, like graduations, which have been canceled.

He says he is trying to adapt once again to this seemingly unhittable curve ball.

The Small Business Association says Terner should be eligible for forgivable loans through the Payment Protection Program, even though he is self-employed, as long as at least 75% of funding goes toward payroll costs.