So far, more than $27 billion worth of Paycheck Protection Program loans must be paid back.

The latest loans have moved more slowly than the previous round, due in part to additional compliance checks to prevent fraud.

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

Banks submitting 5,000 or more applications can upload one document. Banks submitting fewer have to enter information manually.