NEW YORK (AP) — Speed is of the essence if a federal relief program for small businesses is going to be effective in combating the damage wrought by the coronavirus lockdowns. Yet, days into the program, many Main Street businesses are still waiting for the cash infusion necessary to stay alive. Others say they haven’t even been able to apply for loans under what’s called the Paycheck Protection Program. The problems have ranged from the technical to the bureaucratic, although the Small Business Administration says it has corrected those on its end. Banks have worried about being stuck with bad loans, despite a government guarantee.