Be located in one of HEF's target areas in New York City, including, but not limited to: the area above 42nd street, upper Manhattan, the Bronx, and several underserved neighborhoods in Brooklyn and Queens; In business for 3 or more months; Not fall in one of the following industry sectors: Adult Entertainment, Alcohol/Liquor, Finance, or Real Estate; Have no outstanding tax liens or judgments, have not declared bankruptcy in the past 3 years, and does not owe any child support