Should have forced BofA, Chase, Wells Fargo and the rest of the banks bailed out in 2008 to handle ALL of the SBA “loans”...leave the regionals & community banks alone (non-federal reserve member banks)...0.5%-1% is not much for the amount of paperwork/man-hours involved in initiating the loans.
https://www.zerohedge.com/economics/hours-its-start-treasurys-small-business-bailout-verge-collapse
The banks get 5% from Fed to basically write a check. Virtually the only underwriting is to get two page application signed and obtain copies of form 941. All loans will be spent and forgiven in two months.
So you want even slower processing times? Not to mention your premise of the bailouts is completely wrong.