WASHINGTON — If you want to shut down an economy to fight a pandemic without driving millions of people and businesses into bankruptcy, you need the government to cut some checks. The coronavirus response deal that congressional leaders struck early Wednesday morning will get a lot of checks in the mail, but they’ll soothe only a few months of financial pain.

If the outbreak and the disruptions continue through summer, lawmakers will need to spend even more.

The bill, a compromise between the Trump administration and Republican and Democratic leaders in Congress, includes loans and grants for corporations and small businesses, increased unemployment benefits for workers laid off or working fewer hours amid the outbreak, and direct payments to low- and middle-income individuals and families. Negotiators estimate its cost at $2 trillion.

It is more than double the size of the roughly $800 billion stimulus package that Congress passed in 2009 to ease the Great Recession. Yet it may not actually be large enough, given the enormous economic challenge the United States faces today.

If the measures don’t prove effective, or if they are relaxed under orders from Mr. Trump or defied en masse, experts warn the crisis could stretch much longer, under the growing cloud of a recession. That’s why it’s hard to say if the congressional deal will be enough to keep families from going hungry and businesses from going under.

Still, economists hailed the emerging agreement as a good start — one that works on multiple fronts to keep money flowing through the parts of the economy that have been suddenly rendered inactive.

“The response looks to be proportionate to the extent of the problem,” said Justin Wolfers, a University of Michigan economist who has pushed for a large fiscal response to sustain the economy through the virus shutdown. But, he said, “we have no idea what the extent of the problem is.”

The bill includes $350 billion in loans for small businesses to help bridge their expenses for up to 10 weeks. Firms would not need to repay up to eight weeks of the loans if they refrain from laying off employees, or move by June to rehire employees they have already laid off. Supporters of the measure say those loans, if rapidly deployed, could help thousands of firms survive, at least temporarily.

“It is incredibly important that policymakers credibly convince business owners that these conditional loans will indeed be forgiven and that firms’ owners will be treated equitably,” said Stan Veuger, an economist at the conservative American Enterprise Institute. But, he said, “I am skeptical that the size of the package is large enough to cover the entire shutdown-slowdown period.”

The bill also includes $500 billion in aid to airlines and other large corporations that have been hurt by a cratering of consumer demand amid the crisis. Much of the money would be used to backstop loans and other assistance that the Federal Reserve said it plans to extend to companies.

Those programs are in part meant to encourage companies to keep workers on their payrolls. Even if workers are furloughed without pay, the government will essentially step in and assume paying their salaries while the workers continue to be covered by any health insurance provided by their employers.

For workers who lose their jobs, the bill supplies expanded unemployment benefits for up to four months. For many, those payments will match or even exceed the wages they were earning before the outbreak.

The bill also includes a $1,200 payment for each adult — and $500 per child — in households that earn up to $75,000 per year for individuals or $150,000 for couples. The assistance phases out for people who earn more.

Neither Republicans nor Democrats love the bill, which was the product of frenzied negotiations punctuated by often bitter partisan anger. Some liberal groups denounced it as a slush fund for corporations. Some conservatives warned that the large amount of borrowed money it would plow into the economy could stoke rampant inflation.

Business groups celebrated it as a late but necessary intervention, and so did many lawmakers and policy advocates.

“Nothing is perfect around here,” Senator Rob Portman, Republican of Ohio, said in a Tuesday speech on the Senate floor. “But if you make perfect the enemy of the good, you’re going to hurt more people, more small businesses will shut, more people will be out on their own and there will be more and more people who will be infected with this virus who otherwise could have been saved.”

Jacob Leibenluft, a senior fellow at the liberal Center for American Progress, said the deal would ensure “that households, communities, and small businesses are getting help to cushion the impact of painful but critical social distancing measures — and that they are getting it as quickly and robustly as possible.”

Policy experts and business lobbyists have been warning for days that congressional failure to reach a deal was causing more companies to shutter and workers to lose their jobs. Some said on Tuesday that lawmakers needed to be ready to start work on another plan to avoid any additional losses if the outbreak effects stretch into summer and fall.

“Much of the small business community is facing an extinction-level event,” said John Lettieri, the chief of the Economic Innovation Group think tank in Washington, who pushed heavily for a package of small business loans in the agreement. “Will this bill help? Absolutely. But the lending capacity needed to prevent mass closures and layoffs could be four or five times larger than what is being provided.”

“Congress,” Mr. Lettieri said, “needs to be prepared now for how quickly these resources are going to evaporate.”

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