"We will be bombarded once again," Bank of the West Corporate President Cynthia Blankenship said.

The uncertainty around the next phase of the Paycheck Protection Program is the latest fallout from the effort's rushed and rocky rollout. The Trump administration hurried its implementation last week as businesses clamored for a lifeline during the pandemic, even as banks said they weren't ready to participate.

Banks said Thursday they were still awaiting details from the Treasury Department and Small Business Administration about how to handle loans for the new group of businesses set to apply. Among the banks' big questions: how to account for payroll for business owners who are self-employed.

The new category of self-employed business people and independent contractors is vast and covers a wide range of industries — plumbers, electricians, accountants, artists and consultants, to name a handful.

"There is a complete lack of detail for tomorrow," Tioga State Bank President and CEO Robert Fisher said Thursday afternoon. "I am a little more than concerned right now, considering we are a half day away from that rolling out."

Bankers feared it would be a repeat of the program's April 3 launch. Banks scrambled to start accepting applications that day because the Trump administration had only published final guidelines for the loans the night before.

Bank representatives said a new influx of applicants would further burden the Small Business Administration system used for authorizing the loans. It has crashed and been unstable throughout the launch of the Paycheck Protection Program, according to bankers.

"That will clog the system even more," one banking industry source said.