Congress has made the Paycheck Protection Program more flexible and given priority to the smallest, hardest-hit businesses, but the long-awaited second round of loans will still serve as little more than a stopgap as the pandemic rages on. The lending program reopened to some lenders Monday, about three weeks after Congress passed the bill. During the first few days, only community financial institutions, which mostly work with very small and often minority-owned businesses, will be able to make loans. "It's not a silver bullet for smaller businesses. But they hopefully can get a bunch of their applications in before the system is overwhelmed," said Jeannine Jacokes, CEO of the Community Development Bankers Association.