; (6) the Administration does not have adequate resources to issue either more than 3 new small business lending company licenses or new Community Advantage small business lending company licenses, as the Office of Credit Risk Management does not have the capacity to assume additional oversight responsibilities; and (7) in order to increase small dollar lending in underserved areas, the Community Advantage Pilot Program should be made permanent, giving lenders certainty to continue to make loans under section 7(a) of the Small Business Act ( 15 U.S.C. 636(a) ). 203. Lending criteria (a) 7(a) loans Section 7(a)(1) of the Small Business Act ( 15 U.S.C. 636(a)(1) ) is amended by adding at the end the following: (D) Underwriting requirements (i) In general With respect to a loan guaranteed under this subsection— (I) the applicant (including an operating company) shall be creditworthy; (II) the loan must be so sound as to reasonably assure repayment