The Authority may set the terms and conditions for a loan guaranty made under § 5–520(a) of this subtitle. If the Authority decides to lend money from the Fund to an applicant under § 5–520(c) of this subtitle, the Authority shall prepare loan documents that include: 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; a disbursement schedule that provides enough money to the applicant when the applicant needs it to perform the contract; a requirement that the applicant and the Authority co–sign each request for an advance of money before release of the money; and provisions for repayment of the loan. 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.