loans. our cnn's lisa sylvester is joining us. tell us why these loans aren't going through. how difficult is this? what is the problem? >> well, this is what it breaks down to, suzanne. the small business administration says it actually has a more lenient approval process than a conventional lender. even so, many businesses in the gulf are being turned down. the reason is even though many of the small businesses will qualify for compensation and reimbursement from bp eventually, those future claims are not being considered in sba's loan approval process. this man runs apc real estate, a company that manages vacation rental properties in dauphin island, alabama. since the oil spill he says they've lost more than $500,000 in revenue but monthly bills are still coming in totaling $60,000 a month. he says the bp claims process has been lengthy and cumbersome. >> the bp claims process from day one has been pretty much a