Richard is the owner of a community deli and grocery in Eastern Pennsylvania. Six years ago, he used his own savings to invest and transform what was a small bakery, into a full operating deli and grocery. From the start, the business proved to be profitable and continues to grow. Now, Richard wants to give back to his community for all the help that they have given him through the early years. Richard is looking to expand his business to accept EBT (food stamps) payments, as a convenient avenue for these residents of the community. However, the city has strong demands for approval of a business that will provide this service. Richard has to reformat his store to show that he can adequately provide this service. This loan will be used to help convert his business and gain approval of the city. He would also like to expand his marketing to make the community aware of these new changes.