(a) The Authority may set the terms and conditions for a loan guaranty made under § 5-525(a) of this subtitle. (b) (1) If the Authority decides to lend money from the Fund to an applicant under § 5-525(c) of this subtitle, the Authority shall prepare loan documents that include: (i) the interest rate on the loan that equals the market rate for a conventional loan of comparable risk unless the Authority determines that a lower rate better serves the purposes of this subtitle; (ii) a disbursement schedule that provides enough money to the applicant when the applicant needs it to perform the contract; (iii) a requirement that the applicant and the Authority co-sign each request for an advance of money before release of the money; and (iv) provisions for repayment of the loan. (2) The loan documents may include any other provision that the Authority determines is necessary to secure the loan, including an assignment of or a lien on payment under the contract.