Terence Dickson isn’t opening for outdoor dining at Terra Cafe just yet, even if it might cost him some business.

One change: Businesses will have more time to spend their loans and still qualify for forgiveness.

Among the proposed changes: more time to spend and pay back the funds, fewer restrictions on how to use it

The federal relief loans can be forgiven if businesses spend 75% on payroll within eight weeks. For some businesses, that’s a problem.

The arrangement would allow minority-owned lenders to take PPP loans off of their balance sheets.

Business advocates say that’s a sign smaller businesses are finally getting the loans they applied for.

The new application form for the forgiveness program offers some clarification on significant points.

“If there’s a recession on the horizon, we’re all just going to be at the mercy of what that looks like,” said Christina Stembel, CEO of Farmgirl Flowers.

Unlike the first round, the second round of the Paycheck Protection Program has largely favored coastal states. New York, New Jersey, California and Washington, D.C. received the most loans relative to their share of the US population.

Businesses that have received PPP loans have to carefully manage how they spend the money if they want those loans to be forgiven.