NEW YORK (AP) — Loans are the primary reason small businesses seek help from the Small Business Administration, but the new head of the agency says that more capital may not be what owners always need.

Maria Contreras-Sweet has been a small business owner herself, most recently as co-founder of Promerica Bank, a Los Angeles-based lender focused on small companies. That experience not only helped her win the SBA post, it gives her insight into what could aid small companies the most.