We don't want to give a business that is not going to come through the troubled waters a loan that they can't pay back.

We are not going to be the agency where large businesses can masquerade as a small business and get a contract. We are closing down on fraud, waste and abuse.

Small businesses, you can give them capital, but what they often need as much is mentoring, advice and help with their business plan.

We were able in the Recovery Act to get a program where we increased our loan guarantees to 90 percent. Because we had that program, a bank wouldn't have to take that much risk.

As you probably know, half of the people who work in this country work for small businesses. And it's more than that, because two out of every three net new jobs come from small business. So we mean it when we talk about small business being the engine for the economy.

I grew up in a family business... that really has provided the core of my belief in American small business, and in America's ability to grow and operate important businesses that can compete and be successful.