21.   GMD said it will use the loan to acquire equipment, improve and expand the water-pipe network and build water-treatment plants.

22.   It has been using the loan to finance deals while it is raising money for the new fund.

23.   It can help, too, when a borrower is using the loan as a down payment on a house.

24.   It will use bank loans arranged through its units in Spain and the U.S. instead, officials said.

25.   Last year, Prudential Bank and Trust Co. sold some of the receivables in its trust to raise cash and used a loan to absorb possible losses.

26.   Koike was arrested on charges of using the loans -- many of which are said to be uncollectable --to buy stock in Nomura Securities.

27.   Local transportation agencies, they said, could use loans from the federal Transportation Department to buy boats, which would then be leased to private operators.

28.   Most of the borrowers use the loans to buy merchandise, slowly expanding into new products.

29.   Not all the loans are used to create self-sustaining businesses.

30.   No projects have been built yet using bank loans.