Small businesses continued turning to the U.S. Small Business Administration for commercial credit in record numbers through the first three quarters of FY 2005, reflecting their confidence in the U.S. economy and the stability of the SBAloan program that backs their loans.

Small businesses secured SBA backing under the agency's flagship 7(a) program for 71,131 loans through the first nine months of the fiscal year, a 21 percent increase over the same period a year ago and a 49 percent increase over the same period two years ago.

The loans made so far this year amount to $11.1 billion, 19.5 percent more than in the same period last year, and on a clear pace for a record-setting year for the program.

Southern California's defending national co-champions left no doubt as to whom the college football champion was in 2004. The 12-0 Trojans led both major polls throughout the regular season, then trounced unbeaten No. 2 Oklahoma 55-19 in the FedEx Orange Bowl on Jan. 4 for their 13th victory.

Junior quarterback Matt Leinart, winner of both the Heisman Trophy and the Walter Camp Award, passed for 332 yards and an Orange Bowl record five touchdowns as USC won its 22nd consecutive game and confirmed its 10th national title. College Football Tickets Auburn fans were disappointed that the Tigers (12-0 in regular season), winner of the SEC and victor over Virginia Tech 16-13 in the Nokia Sugar Bowl, had to settle for a final No. 2 ranking, with Oklahoma slipping to No. 3. Utah fans, however, were delighted to see their Utes (11-0 in regular season) not only make it to a BCS bowl but clobber Pittsburgh 35-7 in the Fiesta Bowl. The Mountain West champions finished with a No. 5 national ranking.

The nation's other major unbeaten team, Western Athletic Conference champion Boise State (11-0), fell to Louisville (10-1 in regular season) 44-40 in the highest-scoring Liberty Bowl game ever. The Cardinals, in their last year in Conference USA before heading to the Big East, had led the nation with a 49.8 scoring average, while Boise State had averaged 49.7.

Utah and Auburn shared the national Coach of the Year awards, Urban Meyer of Utah winning the Football Writers award and Tommy Tuberville of Auburn taking the Football Coaches award.

Oklahoma may have finished with a disappointing loss in the Orange Bowl, but quarterback Jason White, the 2003 Heisman Trophy winner, won the 2004 Maxwell Award as well as the Davey O'Brien and Johnny Unitas quarterback awards.

The Outland Trophy went to another Oklahoma player, offensive tackle Jamaal Brown, while defensive end David Pollack of Georgia won the Vince Lombardi/Rotary Award along with the Chuck Bednarik Award.

"We had a record year for this loan program a year ago, and we're going to set another record in 2005," said SBA Administrator Hector V. Barreto. "It tells us that the critics are wrong, that small businesses are confident enough to invest in the future of the American economy, and that this program is here to help them do it. It also demonstrates the effectiveness of the self-funded footing on which the President has placed the loan program, and the confidence that lenders have in its stability. I am very pleased with this performance so far this year."

The gains are also reflected in the SBA's Certified Development Company, or 504, loan program. Through the first nine months of the fiscal year, the 504 program had issued 6,434 loans worth $3.44 billion, more than 6 percent ahead of the same period a year ago, when the program had produced 6,058 loans for $2.88 billion.

The budget for the current year makes more than $21 billion available to small businesses through the two loan programs, including $16 billion in small business lending under the 7(a) program and $5 billion under the 504 program.

For information on applying for an SBA loan, visit the SBA's extensive Web site