Cheaper credit might not be enough to ...Investment incentives could perk up businesses amid falling optimismSt. Louis Business Journal, MO -11 hours agoCongress could free up cash for small businesses by allowing them to refinance existing loans with 504 loans, he said. FHA is the Federal Housing Administration. As part of the U.S. Department of Housing and Urban Development (HUD), one of the chief purposes of the FHA is to help people obtain financing for their homes.