WASHINGTON (AP) — Some small businesses that obtained a highly-coveted government loan say they won't be able to use it to bring all their laid-off workers back, even though that is exactly what the program was designed to do.

The Paycheck Protection Program promises an owner loan forgiveness if they retain or rehire all the workers they had in late February.

But owners say the equation isn't so simple, in part because of current economic conditions and partly due to the terms of the loans.

As a result, the lending may not reduce unemployment as much as the Trump administration and Congress hope.