You raise an interesting question.  The US economy locks down in mid-March.  Small businesses, especially retail establishments with 95% or more of their daily revenue coming from customers who can't come in, are dying on the vine.  Congress rolls out the CARES Act with PPP loans - generally covering 2.5 months of payroll - to help keep afloat these small businesses in desperate straits.  Congress want these employers to use the PPP loan money to keep their employers on the payroll instead of going on state unemployment.

The PPP loan application asks the applicant to certify "Current economic uncertainty makes this loan request necessary to support the ongoing operations of the Applicant."  Now, if you are a retail establishment in Ocean City who hasn't seen a customer since March 16 (and its early April) you know that "current" on the application means right now in order to survive the next few weeks.

Contrast this to OPA who applies for a PPP loan when the window opens in early April.  Survival is not in question.  Instead, it applies "In case we need it" per Director Horn.

You crowd out people who desperately need it because you might need it?