Non-profits (except sheltered workshops) Passive holders of real estate and/or personal property Lending institutions (mortgage brokers and correspondent lenders are eligible) Life insurance companies (franchised agents are eligible) Businesses located in a foreign country Businesses selling products or services through a pyramid plan Gambling concerns Businesses which restrict patronage Government owned entities (excluding Native American tribes) Consumer and marketing cooperatives (producer cooperatives are eligible) Businesses engaged in loan packaging Businesses that have previously defaulted on a Federal loan Businesses engaged in lobbying activities