He is saying if there is a need for the loan businesses should be able to get it, based on how the rules were written*. That's all.

You are saying the money should be spent differently to help more businesses.

Neither of you are wrong, but you guys are talking about two different issues.

*He even acknowledged that the rules should be possibly be reworked, which I agree with, but given that he said that I would argue you two aren't even on different sides of the argument, just pointing out and trying to prove two different things.