The NIL program offers zero interest loans to assist students in meeting educational costs. Students have a period of 10 years to repay their NIL loans.Need funding for your small business? Learn about SBA loans. Evaluate your business needs and compare terms such as interest rates and repayment plans to determine the best fit. Completing the Application. Use the fields to narrow your search and select the "Search for documents" button to see your results. To secure Borrower's payment obligations under this Loan Agreement, Borrower grants to Lender a security interest in the Collateral. Explore loan options for your Massachusetts business. Find local resources and compare loan options.