some form of collateral

ah! found it!

I'm someone who doesn't have a form of collateral to give and I assume that there are other people in my poor people group who also lack this and would be unable to start a business of any kind.

In fact, that means a lot of people in the city I live in are unable to start a business.

So it definitely does point to a certain class of people that can start a business and those of us who can't.

I'm definitely going to look into how many hearings are had where I live.