Consumer credit expert Gerri Detweiler has over thirty years of experience in his field and has shared information regarding the numerous disaster relief loans that have been made available to small businesses. Some small businesses had issued receiving funds from the Payroll Protection Program loan due to the money in the first phase being distributed so quickly. The second phase, launched on April 27th, is being handed out much slower, and there is a possibility of a third round being approved. An Economic Injury Disaster Loan can also be a good option for small business owners. This loan can be used to pay contract workers as well, and covers expenses the business would normally be able to pay.