Theresa is divorced and has five children. She is standing close to the cupboard in which she stores the bread after she has taken it out of the oven to cool (she does this to prevent flies from settling on the bread before it is bagged). She has run her business for about 12 years. Theresa will use the loan to purchase flour, sugar, currants and other ingredients for baked goods. With the new profits from her expanded business, Theresa plans to buy an additional oven.