We are a wholesaler for HVAC equipment. We supplied materials to a local contractor who installed these materials at a charter school in Indiana. Charter schools are considered public schools in IN. The school secured a loan thru a local bank, and that loan is backed by 3-4 individuals in the community. Would I file the claim against the local bank or against the community individuals backing the loan (the bank has not been forthcoming with the names of these individuals)? Also, what is the difference between a Title 4 project and a Title 5 project? I'm not sure if it makes a difference in my case?