I truly think it depends upon your relationship with your bank. Our bank reached out to us and let us know how to apply and exactly what we needed for them to seek the approval. We got our approval 5 days later and the loan was funded last week. In talking with my clients the smaller businesses that deal with larger banks and not local banks have had the hardest time. The smaller banks seem to have taken the lead in helping the smaller of the small businesses. This money is definitely going to help our company.