I thought on what SHOULD have been done.....

If the goal is for the Fed to float payroll for small businesses then do just that. Most small businesses are using a payroll service and if not would be required to join to obtain the stimulus. The business owner files a payroll report to the fed and which service they are using. if the business qualifies the payroll is funded on a regular basis through the bushiness's payroll service. These payroll services like ADP would be required to process the Fed payrolls for a large reduced rate and off-set with a tax credit. Problem solved....the money goes to the right place on a regular basis.

For business relief, small businesses would be required to apply through a bank for a smaller about of funding to help with other business expenses other than payroll. They would be qualified institutions that can quickly open separate business account for the relief funds so they can be dispersed and tracked.

KH