The proceeds of a child care special loan may be used: to assist the applicant in meeting applicable State and local child care standards; to pay for minor renovations, and to upgrade child care facilities, to ensure that applicants meet State and local child care standards; or to purchase and install equipment and furniture, including equipment needed to accommodate children with special needs. Except as provided in subsection (a) of this section, the proceeds of a child care special loan may not be used: to purchase or improve land; or to purchase, construct, or improve a building or facility.