“Complexity is not our friend here,” she said. “Things that have to be implemented quickly can’t have a lot of bells and whistles, or else there will be too many unintended consequences — one of which is delay. And we don’t have time to delay.”

Mills said there’s an easier way to ensure that the smallest small businesses get help: Congress should put a lending cap on $100 billion of the guarantee funds, limiting those to loans under a certain maximum, like $45,000. According to SBA data released Tuesday, the average PPP loan has been $239,000.

Beneficial State Bank’s Leach said there are other tweaks he’d like to see as well, such as raising the loan cap from 10 weeks of payroll to six months or a year. How much can be forgiven should also be increased from eight weeks to cover however long the stay-at-home orders are in effect, Leach said.

And the loan terms should also be increased from two years to the statutory limit of 10 years or longer, he said, so that if companies do have to pay them back, they aren’t saddled with paying back a big debt in just two years while the economy struggles to recover.

But the tweaks are not as important as getting more money out now, Leach said. Already, small businesses are starting to declare bankruptcy as quarantine measures have kept upward of one-third of the economy closed.