在国会批准311亿美元重新启动流行计划之后，包括许多建筑和工程在内的小型企业，包括许多建筑和工程，迅速排队申请第二轮薪水保护计划贷款。国会在3月下旬为PPP提供了3490亿美元，但需求非常强烈，以至于所有这些都在短短13天内耗尽。潜在的借款人担心新的PPP钱也不太可能持续很长时间。
The Small Business Administration’s lending window opened for PPP’s round two on April 27. By 1 p.m. the next day, SBA reported that it had approved nearly 476,000 loans totaling $52.2 billion in what it termed “PPP2.” For borrowers still in the queue, the math was scary. At that rate, the round two funds would be gone in less than a week.
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PPP的目的是协助经济上束缚的小企业获得可原谅的贷款，以帮助他们应对冠状病毒大流行的经济打击。该计划是在3月27日特朗普总统签署为法律的《冠状病毒援助，救济和经济安全法》中创建的。
The program was formally launched on April 3, and from the start was flooded with requests from companies and nonprofit organizations. All $349 billion was gone by the end of April 16. The program also was criticized for loans that went to large, publicly traded companies.
当很明显最初的资金耗尽时，向PPP输液成为新立法计划的主要因素，即薪水保护和医疗保健增强法，该法案于4月24日成为法律。
根据SBA的数据，建筑行业公司在初始PPP基金的行业中获得了最大的份额，其中449亿美元。
4月20日至23日进行的一项新的美国总承包商调查显示，849家响应公司中有44％表示他们通过贷款计划获得了资金。另外15％的人表示，他们的贷款申请已获得批准，但尚未收到资金。调查还说，有8％的AGC公司正在等待其申请的答复，有7％的公司已申请，但被告知没有更多资金可用。
A National Utility Contractors Association survey, conducted at about the same time as AGC’s, shows that 61% of responding member companies said they had applied for a PPP loan. As of April 23, 55% said they had not yet received the loan funds; 34% reported that they had gotten the money. About two-thirds of the firms applied for PPP loans through their local banks, the NUCA survey said. One-third applied through branches national banks.
The loan program also has been popular among engineering firms, which fall under a SBA non-construction category. About 72% of American Council of Engineering Companies member firms responding to a recent survey had applied for a PPP loan and 14% planned to apply.“This underscores the program’s critical importance during the coronavirus crisis,” ACEC spokesman Jeff Urbanchuk told ENR.
银行说，由于SBA在线系统的问题，PPP的第二轮开始了颠簸。美国首席执行官独立社区银行家丽贝卡·罗梅罗·雷尼（Rebecca Romero Rainey）于4月27日表示，她的团队成员银行“发现自己被踢出了[SBA]系统”。她补充说：“当客户最需要他们时，社区银行被锁定是不可接受的。”
美国银行家协会首席执行官罗布·尼科尔斯（Rob Nichols）在当天的Twitter帖子中说，银行对无法访问[SBA的}系统感到非常沮丧。尼科尔斯（Nichols）在4月28日发推文时说：“各种规模的银行整夜都在处理PPP贷款，几乎没有成功。”
SBA Administrator Jovita Carranza acknowledged the day one slowdown, citing “unprecedented demand” for loan approvals in a Twitter post. She said more than twice the number of users were getting on the system that day than in any day of round one of PPP.
