In cases involving owners or operators of small businesses, it is difficult to determine
whether they are applying or serving as an individual or an organization. Generally,
if the small business employs only a few people and the owner is the only person who
will have access to the beneficiary's funds or has no employees (no EIN), we treat
the owner as an individual applicant or payee. If the small business employs a substantial
number of people and other employees could have access to the beneficiary's funds,
the small business, rather than the owner is the organizational applicant or payee.