Rockland Trust Community Development Corporation II will use its NMTC Allocation to enhance its current community lending activities to qualified borrowers in low income communities in Southeastern Massachusetts and Rhode Island. Loans will primarily be made to qualified non-real estate businesses and to qualified real estate developers in communities that are areas of higher distress. All loans will be made with at least three flexible or non-traditional terms, including lower interest rates, higher loan-to-value ratios, longer interest only periods, longer amortization periods, and non-traditional forms of collateral. Rockland Trust will also provide financial counseling and other services, free of charge, to businesses in low-income communities.