In this subtitle the following words have the meanings indicated. “Authority” means the Maryland Small Business Development Financing Authority. “Financial institution” means: a financial institution, as defined in § 1–101 of the Financial Institutions Article; and any other lender that the Authority approves. “Fund” means the Maryland Small Business Development Financing Fund. “Loan document” means an instrument or agreement that evidences, secures, or guarantees a loan. “Loan document” includes a note, financing statement, mortgage, pledge, assignment, loan and security agreement, or guaranty. “Working capital” means money used to meet the cash needs of an operating business entity. “Working capital” does not include money used for a capital purchase.