Starting April 27, 2020 the SBA’s Paycheck Protection Program will reopen. After the program quickly went through the initial $349 billion in a short few weeks Congress approved an additional $310 billion for the program.

The program intended for small businesses ended up granting funds to larger businesses like Shake Shack and Ruths Chris Steakhouse – both of whom after criticism vowed to return the funds. This time around Congress has asked banks to verify the need of the business – checking to make sure each company, though technically a small business by the program’s definition, does not have funding opportunities elsewhere like the larger and publicly traded companies did. And to encourage this Congress has allotted 20% of the fund be run through small banks.

But no matter the changes the funds will run out quickly.