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.

I think we've learned that the S.B.A. plays a critical role in providing access and opportunity when the market is not providing that access. We help banks get that money out into the hands of important and viable businesses, particularly those owned by minorities, women, immigrants and veterans.

After four years as Administrator of the SBA, I have let President Obama know that I will not be staying for a second term. I will stay on until my successor is confirmed to ensure a smooth and seamless transition.

I saw the S.B.A. with just enormous potential, and that's what I told the president - this is really a jewel.

I recently had the opportunity to participate in 'Inc.''s first-ever 'Hire Power Awards' event in Washington, D.C. The event was a testament to the power of American entrepreneurship and the role that it plays in driving job creation and innovation in a wide array of industries.

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.

In October 2008, when the credit crunch hit, small businesses were really crushed by the lack of capital.