I'm sure it doesn't scale perfectly. However, it is not unreasonable to think that lending small businesses money can spur job growth. If you need that 100k to

I'm sure it doesn't scale perfectly. However, it is not unreasonable to think that lending small businesses money can spur job growth. If you need that 100k to expand your shop and pay for a new hire to help, it totally can work. This is how capitalism and economics work in general. Someone borrows money to start/expand a business. They hire someone to work, that person makes money that they then spend at other businesses, which then gives those businesses more money to expand and hire. If lending money didn't create jobs, we'd be back with horses and wagons.