; or (B) an area that has been designated as— (i) an empowerment zone under section 1391 of the Internal Revenue Code of 1986; (ii) a qualified opportunity zone under section 1400Z–1 of the Internal Revenue Code of 1986; (iii) a Promise Zone by the Secretary of Housing and Urban Development; or (iv) a low-income neighborhood or moderate-income neighborhood for purposes of the Community Reinvestment Act of 1977 ( 12 U.S.C. 2901 et seq.). (3) Growing; newly established; startup The terms growing , newly established , and startup , with respect to a small business concern, mean growing, newly established, and startup, respectively, within the meaning given those terms under section 7(m). (4) Incubator The term incubator means an organization— (A) that— (i) tends to work with startup and newly established small business concerns; and (ii) provides mentorship to startup and newly established small business concerns; and (B) that may— (i) provide a co-working environment or a month-to-month lease program; and (ii) work with a startup or newly established small business concern for a predetermined period or an open-ended period. (5) Individuals with a disability The term individuals with a disability means more than one individual with a disability, as defined in section 3 of the Americans with Disabilities Act of 1990 ( 42 U.S.C. 12102 ). (6) Eligible entity The term eligible entity means— (A) an institution described in any of paragraphs (1) through (7) of section 371(a) of the Higher Education Act of 1965 ( 20 U.S.C. 1067q(a) ); (B) a junior or community college, as defined in section 312 of the Higher Education Act of 1965 ( 20 U.S.C. 1058 )