Do you need two hands to load a hand crossbow? IE, could I have a shield or rapier in the other hand?

@RSIxidor @pizzystrizzyDo you need two hands to load a hand crossbow? IE, could I have a shield or rapier in the other hand? I’d say you need at least one hand free to load the bolt.

— Jeremy Crawford (@JeremyECrawford) November 5, 2014