The stimulus package being negotiated in Washington includes $285 billion for a renewed Paycheck Protection Program. The bill includes other aid measures that are not specifically part of the Paycheck Protection Program but could nonetheless help many small businesses. This includes $12 billion for Community Development Financial Institutions, which make loans and grants to people and communities that are often unable to get traditional banks to do business with them. That amount of money would be transformational, said Jeannine Jacokes, the chief executive of the Community Development Bankers Association, a trade group for community financial institutions. “Every time we have a recession, low-income places are hit the hardest and are the last to recover,” Ms. Jacokes said. “Treasury is providing the capital for a long-term investment in these communities.”