针对农业生产者和农村小企业的REAP计划，向可再生能源系统和能源审核项目提供补贴和贷款担保。
Aimed at agricultural producers and rural small businesses, the REAP program issues grants and loan guarantees for renewable energy systems and energy audits.
不过他说，尽管有担保和抵押物，很多银行仍然不愿向小企业发放贷款。
However, even with the guarantee and the collateral, he says, many Banks are still unwilling to lend to small businesses.
小企业管理局并不直接发放贷款，但它为其他机构向小企业发放贷款提供担保，因此可将贷款利率控制在一定水平下。
The SBA doesn't lend money directly, but it does keep interest rates in check by guaranteeing loans made to small business by other institutions.
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