financing in the private credit marketplace, but can demonstrate an ability to repay loans granted. Guaranteed loans are made available to low-income business owners or businesses located in areas of high unemployment, nonprofit sheltered workshops and other similar organizations which produce goods or services; to small businesses being established, acquired or owned by handicapped individuals; and enable small businesses to manufacture, design, market, install, or service specific energy measures. The SBA's 7(a) lending authority includes: 1) the Low Documentation Loan Program (Low Doc); 2) the Cap Line Program; 3) FA$ TRAK Program, formerly the Small Loan Express; 4) the Women's Prequalification Program; and 5) Minority Prequalification Program. TYPES OF ASSISTANCE: Guaranteed/Insured Loans. USES AND USE RESTRICTIONS: To construct, expand, or convert facilities; to purchase building equipment or materials; and for working capital. Excludes gambling establishments, nonprofit enterprises, speculators in property, lending or investment enterprises, and financing of real property held for investment; also excludes funds to indiscriminately relocate the business. Funds must not otherwise be available on reasonable terms, nor used to pay off a loan to an unsecured creditor who is in a position to sustain loss. ELIGIBILITY REQUIREMENTS: Applicant Eligibility: A small business is eligible, which is
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