Bill Cimino was approved for a $1.6 million loan last year to purchase the property on which his Wilmington, Mass., car dealership sits. The loan was backed by the Small Business Administration and—thanks to the government stimulus program—carried no borrower fees and provided his lender with a substantial guarantee against default. The loan was scheduled to close at the end of December, to coincide with the end of his lease, but paperwork delays pushed it until February—just as the stimulus money for the program ran ou