The bible speaks about not lending money to your brothers and sisters with interest(not just immediate brothers or sisters, but all of Israel), it isn't refering to lending to anybody. This was said to encourage people to help their brothers and sisters, so that the family could become stronger.
If you need to borrow money, then go ahead. For I, I would not feel right to borrow money from I brothers and sisters without giving them some interest in return, unless I was borrowing the money only for a few days. So I think it is good to give something in return, even if it is offered for no interest.
In regards to the employees helping to pay the money back, I don't think they should have any responsibility for that. If a person is an equal partner, then they should bear some of the responsibility, otherwise they shouldn't.
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