EFL chair Rick Parry has warned clubs that the governing body would struggle to give more than the £50m they have already pledged to help those struggling.
This means that Stoke City, and other clubs outside of the top tier will need to ensure that any relief funds go a long way.
Clubs outside of the Premier League are concerned over cash-flow issues.
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The EFL confirmed on Wednesday night that a £50m package to help clubs enduring immediate cash flow problems due to the coronavirus outbreak would be able to be used.
It was confirmed on Thursday afternoon that all professional football in England would remain postponed until April 30 at the earliest.
The postponement of games has left clubs, especially in League One and League Two, feeling the pinch and worrying about their immediate future.
“That would be a stretch,” Parry replied on BBC Radio 5 Live on Saturday afternoon when asked if any more money would be made available for clubs.
“The money we have amassed really ought to be enough to get through three months of matchday revenue.
“What it does not do is come anywhere close to covering the wage bill for that period, but we don’t have a money tree, and frankly no-one does.
While Parry also revealed that he would rather sit down and work out a clear plan moving forward with the Premier League than go to them with a begging bowl.
“I’m not a fan of the begging bowl culture,” he said.
“I think it is much better in dialogue with the Premier League to talk about sustainable futures and how we might be able to have a reset going forward.
“I think us going looking for hands out, it is better to go with a self-help mentality.
“This is what we have done. This is the problem we are in. How can we all help to produce a better future.
“Because as strange as it may seem, Premier League clubs will have their own problems and their own shortages.
“The numbers are a lot bigger there end but to suggest they are sitting on cash mounts is simply not true.”
Parry concluded by revealing that he and the EFL are working on ways to control costs at clubs moving forward.
“We need a game that is much more sustainable,” he added. “We have already been looking at ways to control costs.
“In the Championship, wages cover a 107 percent turnover of clubs. That is completely and utterly unsustainable in any climate.
“In this climate it comes home to roost very quickly when there is no money coming in through the door.
“We were already looking at it. So maybe this is a reminder that we need to look at it a little bit more quickly.
“We need to look at having better cost control measures as if this doesn’t focus minds nothing will.”