A good article in Inc Magazine says: Tap a community bank, Apply with multiple banks and consider alternative lenders like Fintech companies.
Caveat: Of course, it’s smart to be cautious about something that looks too good to be true. While plenty of alternative lenders are perfectly legitimate, many aren’t. And this program in particular is expected to attract ample scammers. So beware, says Molly Day, a spokesperson for the National Small Business Association, an advocacy group in Washington, D.C. “Be careful with who you work with and who you trust.”
Suggest you read the article yourself – source – https://www.inc.com/brit-morse/paycheck-protection-program-ppp-small-business-loans-bank-alternatives.html