The recently passed coronavirus relief package will include $9 billion to the newly restored Emergency Capital Investment Fund. The $9 billion Emergency Capital Investment Fund isn't supposed to be a bailout for eligible banks and credit unions. It's intended to position the eligible lenders to make new loans as the economy recovers over the next few years — particularly small businesses loans. “It’s a gargantuan amount of money,” says Jeannine Jacokes, chief executive at the Community Development Bankers Association. “It’s either going to be absolutely game changing or it’s going to be a dud. It’s all in how Treasury implements it.”