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The program establishes a $349 billion Paycheck Protection Program. The Program will provide much-needed relief to millions of small businesses so they can sustain their businesses and keep their workers employed. Businesses can go to a participating SBA (Small Business Administration)  lender, bank, or credit union, apply for a loan, and see it approved on the same day. Lenders will be the single point-of-contact for small businesses and the application, loan processing, and disbursement of funds will all be administered at the community level The loans will be forgiven as long as the funds are used to keep employees on the payroll and for certain other expenses.