; and (B) continuing technical and financial assistance related to the successful operation of urban agriculture microenterprises. (3) Loans (A) In general The Secretary shall make loans to microenterprise development organizations for the purpose of providing fixed interest rate microloans to microentrepreneurs for startup and growing urban agriculture microenterprises. (B) Loan terms A loan made by the Secretary to a microenterprise development organization under this paragraph shall— (i) be for a term not to exceed 20 years; and (ii) bear interest at a rate of at least 1 percent per year. (C) Loan loss reserve fund The Secretary shall require each microenterprise development organization that receives a loan under this paragraph to— (i) establish a loan loss reserve fund; and (ii) maintain the reserve fund in an amount equal to at least 5 percent of the outstanding balance of the loans owed by the organization, until all obligations owed to the Secretary under this paragraph are repaid. (D) Deferral of interest and principal The Secretary may permit the deferral of payments on principal and interest due on a loan to a microenterprise development organization made under this paragraph for a 2-year period beginning on the date the loan is made. (4) Grants (A) Grants to support urban agriculture microenterprise development (i) In general The Secretary shall make grants to microenterprise development organizations to— (I) provide training, operational support, business planning, and market development assistance, and other related services to urban agriculture microentrepreneurs