I use a small town bank that has a few branches. The guy that processed the paper work said that they were generally approved the same day and when everything was signed, the money was transferred pretty quick. You could get more than just the payroll, any benefits, like health insurance costs could be included from what I understood. I got it for one employee, which didnt amount to much but it was pretty quick. If you applied before the money ran out, there could be a snag at your bank. Mine didnt appear as soon as it was expected and something happened at the bank and it didnt get to my account. You might want to check with the person that processed it and see what happened.