John and Jay are fellow graduates in counseling psychology at Yorkville University. After having worked on various projects together during their time at Yorkville University, they discovered they actually lived in the same community, met one another, and soon found they enjoyed each other's company and found synergies in their work habits. They now plan on renting some space and opening a clinic together on the cool side of town. John's parents have agreed to provide a five-year interest free loan of $20,000 to assist with start-up costs. Jay's dad, a carpenter by trade, has agreed to help with renovating the shop. How might the business be structured so as best to ensure both Jay and John's interests are fully protected? How might the loan be structured?