; (vi) the term rural area means any county that the Bureau of the Census has defined as mostly rural or completely rural in the most recent decennial census; (vii) the term service-connected has the meaning given the term in section 101(16) of title 38, United States Code; (viii) the term small business concern in an underserved market means a small business concern— (I) that is located in— (aa) a low- to moderate-income community; (bb) a HUBZone; (cc) a community that has been designated as an empowerment zone or an enterprise community under section 1391 of the Internal Revenue Code of 1986; (dd) a community that has been designated as a promise zone by the Secretary of Housing and Urban Development; (ee) a community that has been designated as a qualified opportunity zone under section 1400Z–1 of the Internal Revenue Code of 1986; or (ff) a rural area; (II) for which more than 50 percent of the employees reside in a low- or moderate-income community; (III) that is a startup or new business; (IV) owned and controlled by socially and economically disadvantaged individuals, including Black Americans, Hispanic Americans, Native Americans, Asian Pacific Americans, and other minorities; (V) owned and controlled by women; (VI) owned and controlled by veterans; (VII) owned and controlled by service-disabled veterans; (VIII) not less than 51 percent owned and controlled by 1 or more— (aa) members of the Armed Forces participating in the Transition Assistance Program of the Department of Defense; (bb) Reservists; (cc) spouses of veterans, members of the Armed Forces, or Reservists; or (dd) surviving spouses of veterans who died on active duty or as a result of a service-connected disability; or (IX) that is eligible to receive a veterans advantage loan; (ix) the term small business concern owned and controlled by socially and economically disadvantaged individuals has the meaning given the term in section 8(d)(3)(C); (x) the term startup means a business that has not yet opened