In this subtitle the following words have the meanings indicated. “Borrower” means a business that: qualifies as a small business under the U.S. Small Business Administration size standards; applies to a lender for business financing; and has fewer than 50 employees. “Department” means the Department of Commerce. “Lender” means: a credit union, as defined in § 1–101 of the Financial Institutions Article; a financial institution, as defined in § 1–101 of the Financial Institutions Article; or a community development financial institution, as defined in 12 U.S.C. § 4702(5). “Program” means the Capital Access Program established under this subtitle.