When a library is released under the GPL v2, can a company use it internally for free? If they develop software based on it, do they have to release it under the GPL, even if they don't distribute it? Can they make money by using (not distributing) internally developed software that links to the GPL'ed library, without any compensation for the author?

I am looking for a software license that only allows non-commercial uses (copy, modify, link to); the resulting derived programs must also be free for non-commercial uses. Is there any software license that does this for non-commercial uses, and prevents any commercial use (including using the software in order to make money)? It looks like the Creative Commons licenses are flexible enough to do something close to that, but I've read against using them for software. What do you think?