CLEVELAND -- The Sept. 11 attacks devastated a lot of American businesses, but about $4 billion in loans went to businesses that weren't affected by the terrorist attacks.

5 On Your Side Investigator Ron Regan followed the money trail to figure out why this happened.

According to Regan, a report first surfaced last fall that uncovered a loan program out of control, so 5 On Your Side took a more in-depth look at where the money really went.

5 On Your Side wanted to know where almost $4 billion of Small Business Administration loans ended up, so the complete list of Ohio businesses that got millions in loans was obtained.

An auto repair shop in Willoughby got $836,000 and an Akron restaurant and bar got $615,000.

A Cuyahoga Falls funeral home got $300,000.

Regan reported that the businesses do not have any type of connection to 9/11.

Business owners are wondering how could this happen.

George Santosousso, owner of a pizza shop in Medina, received one of the loans as well.

"No, there's no way shape or form that I had any clue at all that that money was for that," said Santosousso, who got $358,700 in 9/11 loans.

A report by the SBA's inspector general, who investigated the program, found many borrowers who did not have any idea that the money was earmarked for 9/11 loans.

Regan reported it was big banks and lenders that filed the paperwork and SBA lacked adequate controls and oversights.

A thriving beauty salon chain in Chagrin Falls received $100,000 along with a growing dental practice in Mentor receiving $435,000.

The owner of Lola's in Tremont received $250,000.

All three of the businesses did not have any idea that the lenders submitted a 9/11 loan.

Jeff Knuth, owner of the Roadside Ice Cream Shop, didn't know.

"It was just a surprise as you call, and just up to a few minutes ago I had to ask you again -- the name of the program. My loan got filed under SBA because I never even heard a mention of that."

5 On Your Side found 277 Ohio businesses received 9/11 loans, which amounts to $87.2 million.

Lenders, 85 percent of the time, failed to provide adequate documentation that businesses were actually affected by terrorist attacks.

Regan said Dunkin Donuts ended up getting $558,500 in 9/11 loans, the company wrote to NewsChannel5 saying, "It is up to the lender to assess for the eligibility."

The SBA declined an on-camera interview but agreed to talk on the phone.

"We made the lenders the judges of whether a business was qualified to accept a loan under the STAR program and we would probably not do it exactly that way again," said Mike Stambler of the Small Business Administration.

The SBA now said those lenders will be stuck with loans that go bad if they can’t prove a 9/11 connection.

So far all the businesses in this report are paying back their loans.

The owners of the businesses also maintain that they would have never taken the money if they had known the loans were really designed for businesses affected by 9/11.