; (ii) loss of recurring deliveries of farm products to schools, institutions, food hubs, and restaurants; or (iii) any other unexpected source during such economic disaster. (c) Loan guarantees The Secretary may guarantee a loan made by lenders approved by the Farm Service Agency to large eligible entities if— (1) such loan— (A) is for the purposes described in subsection (b)(3); (B) is in an amount greater than $2,000,000; (C) has an interest rate equal to or less than 1 percent; and (D) has a repayment term that— (i) begins after the date that is 1 year after the date on which such loan is made an eligible entity; and (ii) is for a period of not less than 15 years and not greater than 20 years; and (2) the lender making such loan offers forgiveness of indebtedness on such loan under such terms as the Secretary determines are commensurate with the loan forgiveness under subsection (b)(4). (d) Approval and Ability To Repay for Small Dollar Loans With respect to a loan made under subsection (b) in response to an economic disaster, the Secretary may— (1) approve an applicant based solely on the credit score of the applicant and shall not require an applicant to submit a tax return or a tax return transcript for such approval