; or (B) denying the application and providing guidance on why the application was so denied. (5) Solicitations Not later than 1 year after the date of the enactment of this Act, the Director shall solicit applications under this subsection. (d) Creditworthiness (1) In general No direct loan for an eligible project may be issued to an eligible entity under this Act unless the Director determines that— (A) the project has the potential to enable the National Geospatial-Intelligence Agency to meet mission-critical needs of the Agency; (B) the eligible entity is creditworthy