The term 'IT GENERATES INTEREST' can be broken down into two crossword solutions: LOAN (4 letters) and UNPAIDBILL (10 letters). A LOAN is a sum of money that is borrowed from a lender and must be repaid with interest. An unpaid bill is an amount of money owed to a creditor that has not yet been paid. Both of these terms are related to the concept of generating interest, as the borrower must pay back the LOAN with interest, and the creditor may charge interest on the unpaid bill.