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Provides information on the role that the SBA's 7(a) program plays in small business financing. Specifically: (1) how the characteristics -- sizes, interest rates, and maturities of 7(a) loans compare with those of small businesses that did not involve a guarantee from SBA, and (2) how the characteristics of 7(a) borrowers compare with small business borrowers that did not obtain 7(a) loans. Also provides information on reasons underlying private lenders' decisions to participate or not participate in the 7(a) program. Charts and tables.