As i think more on this, why not couple a loan program with a public transportation initiative -- use some of the loan funds to re-tool for bus and rail car production. Sort of undo the often alleged plot to kill public transit in the later 50's early 60's

Life is a banquet -- and most poor suckers are starving to death -- Auntie Mame
You are born naked and everything else is drag - RuPaul