The MAY Coalition is governed by a Board of Directors made up of business people, local government representatives, and people who have been hired as a result of MAY's loans. A loan committee appointed by the Board reviews all applications. A majority vote of the entire Board of Directors determines whether a loan is approved. Loan decisions are based on the number and quality of jobs created, the likelihood of repayment, the character and credit history of the borrower, the soundness of the business idea, and the quality of the collateral offered.