Charles “Chad” Vilotti and James Liscio, partners at the 400-worker Liscio’s Italian Bakery Inc. in Glassboro, are among the first Philadelphia-area firms to collect cash from a “forgivable” coronavirus economic relief loan through the Small Business Administration.

“We like to say that ‘banks are these places that give you umbrellas when it stops raining,’" Vilotti joked after the bank wired the loan proceeds into Liscio’s account late last week so he could start calling back laid-off workers. But with this taxpayer-backed program, the bakery’s longtime bankers at TD Bank "gave us an umbrella, almost at the first sign of rain.”