The term 'TINY SUGAR-LOVER' can be summarized by the crossword solution of ANT, which is a three-letter word. Ants are small insects that are known for their love of sweet things. They are often seen in homes and gardens, searching for food sources such as sugar, honey, and other sweet items. Ants are also known for their ability to work together in large colonies, making them one of the most successful species on Earth.