Loans & Promissory Notes
Personal loans, secured and unsecured promissory notes, and lending agreements. Free templates — download PDF or Word, no signup required (2026).
Family Loan Agreement (Australia)
A Family Loan Agreement is a written contract between family members — such as parents and adult children, siblings, or other relatives — that formally documents a loan of money from one family member (the lender) to another (the borrower). In Australia, a signed Family Loan Agreement is the most effective way to prevent a loan from being treated as a gift, to protect both parties from misunderstanding, and to address the significant tax implications that can arise when money changes hands between family members. Family loans are extremely common in Australia. Parents frequently lend money to their adult children to assist with home deposits, business start-up costs, vehicle purchases, education expenses, or to bridge a short-term financial gap. Without a written agreement, these arrangements can lead to serious family conflict, especially if the lender later expects repayment and the borrower believes the money was a gift, or if one sibling receives a loan and others believe it should be treated as an advance on inheritance. A Family Loan Agreement protects both parties. For the lender, it creates an enforceable legal obligation for the borrower to repay. For the borrower, it provides certainty about the repayment terms and protects against the lender later claiming the amount is due when no terms were agreed. For families with multiple children, a written agreement ensures transparent and equal treatment of different family members and can help prevent disputes when the lender's estate is eventually distributed. One of the most important considerations for family loans in Australia is the tax implications. The Australian Taxation Office (ATO) applies scrutiny to loans between related parties. If the ATO determines that a loan was actually a gift in disguise — for example, because no interest was charged and no repayment was ever made — it may treat the amount as assessable income in the borrower's hands or as a deemed dividend in the case of company loans. Division 7A of the Income Tax Assessment Act 1997 (Cth) is particularly important for loans made by private companies to shareholders or associates (including family members). Under Division 7A, a loan by a private company to a shareholder or associate that is not on arm's length terms (including interest at least equal to the ATO benchmark rate and minimum annual repayments) may be treated as an unfranked dividend in the income year the loan is made, with potentially significant tax consequences. Even where Division 7A does not strictly apply — for example, where the lender is an individual rather than a company — the ATO may still challenge arrangements that appear to be shams or that lack commercial substance. To maximise the legal and tax effectiveness of a Family Loan Agreement in Australia, the agreement should specify a genuine interest rate (at least the ATO benchmark rate if a company is involved), a realistic repayment schedule that is actually followed, and clear terms for what happens if the borrower defaults. Both parties should retain records of all payments made, and the lender should include any interest received in their assessable income for the relevant tax year. For loans involving real property as security, a mortgage must be registered under the relevant state land titles legislation — for example, the Real Property Act 1900 (NSW), the Transfer of Land Act 1958 (Vic), or the Land Title Act 1994 (Qld). For other personal property security, registration under the Personal Property Securities Act 2009 (Cth) may be appropriate to protect the lender's priority against other creditors. Family loans are generally exempt from the National Consumer Credit Protection Act 2009 (Cth) and the National Credit Code when they are not made in the course of a business of providing credit. However, this exemption does not remove the tax obligations or the need for a properly documented written agreement. A well-drafted Family Loan Agreement is an investment in family harmony and financial clarity that can prevent disputes, protect relationships, and ensure compliance with Australian tax law.
Guarantee and Indemnity (Australia)
Create an Australian Guarantee and Indemnity for commercial lending, leasing, or supplier arrangements. Covers guarantor liability, indemnity clause, continuing guarantee, limited vs unlimited liability, discharge conditions, subrogation rights, and independent legal advice confirmation. Compliant with Australian contract law and statute of frauds requirements.
Loan Agreement (Australia)
Create a legally sound Australian Loan Agreement that covers the principal amount, interest rate, repayment schedule, security interest, and PPSA registration. Suitable for commercial loans, business lending, and personal loans (NCCP Act compliant). Includes GST provisions and default remedies under Australian law.
Loan Agreement with Payment Plan (Australia)
Create a Loan Agreement with a detailed Payment Plan schedule for Australia. Documents each instalment, due date, and balance. Suitable for structured repayment of personal, business, or private loans under Australian contract law.
Personal Loan Agreement (Australia)
Create a Personal Loan Agreement for Australia. Covers loan amount, interest rate, repayment schedule, default provisions, and National Consumer Credit Protection Act 2009 compliance. Suitable for personal loans between individuals and small businesses.
Personal Loan Guarantee (Australia)
Create a Personal Loan Guarantee for Australia. Guarantor agrees to repay the loan if the borrower defaults. Covers principal, interest, costs, and enforcement. Governed by Australian contract law and the National Consumer Credit Protection Act 2009.
Personal Loan Agreement (Formal) (Australia)
Create a formal Personal Loan Agreement for Australia with comprehensive clauses. Includes representations and warranties, conditions precedent, events of default, acceleration, security, and dispute resolution. Suitable for larger private loans and sophisticated parties.
Promissory Note (Australia)
Create a legally valid Australian Promissory Note under the Bills of Exchange Act 1909 (Cth). Includes unconditional promise to pay, principal amount in figures and words, interest rate, maturity date (fixed or on demand), endorsement for negotiability, default interest, and waiver of dishonour notice. Suitable for personal and commercial use.
Shareholder Loan Agreement — Division 7A (Australia)
Create a Division 7A complying loan agreement under the Income Tax Assessment Act 1936 (Cth) for loans from Australian private companies to their shareholders or associates. Covers the benchmark interest rate (s109N), 7-year unsecured / 25-year secured maximum terms, minimum yearly repayment formula (s109E), and default provisions — helping you avoid a deemed unfranked dividend from the ATO.
Credit Facility Agreement Brazil (Contrato de Abertura de Crédito)
A Credit Facility Agreement (Contrato de Abertura de Crédito) for Brazil — governed by the Código Civil and BACEN regulations, establishing a revolving credit line between financial institution and borrower, with limit, interest rate, term and withdrawal conditions.
Real Estate Financing Contract Brazil (Contrato de Financiamento Imobiliário)
A Real Estate Financing Contract (Contrato de Financiamento Imobiliário) for Brazil — governed by Lei 9.514/1997 (SFI) and Lei 4.380/1964 (SFH), establishing the terms of mortgage financing with fiduciary alienation (alienação fiduciária) as collateral, including interest rates, payment schedules, and extrajudicial foreclosure procedures.
Convertible Loan Brazil (Mútuo Conversível)
A Convertible Loan (Mútuo Conversível) for Brazil — governed by Código Civil Arts. 586–592 and Lei das S.A. (Law 6.404/1976), allowing investors to lend funds to a startup with the right to convert the debt into equity at a future financing round or upon defined trigger events.
Promissory Note Brazil (Nota Promissória)
A Promissory Note (Nota Promissória) for Brazil — a negotiable credit instrument (título de crédito) governed by the Decreto nº 2.044/1908 and the Lei Uniforme de Genebra (Decreto nº 57.663/1966), by which the maker (emitente/subscritor) promises unconditionally to pay a specified sum in BRL to the beneficiary (beneficiário/tomador) on a fixed date or on demand.
Debt Acknowledgment (Canada)
Create a Canadian Debt Acknowledgment where the debtor formally confirms owing a specific amount to the creditor. This template addresses Canadian limitation periods by province (2 years in Ontario, BC, and Alberta; 3 years in Quebec), criminal interest rate limits under section 347 of the Criminal Code, PPSA security interest provisions, and payment methods including Interac e-Transfer. All amounts in Canadian dollars. Covers repayment terms, interest, late penalties, collateral, and governing law referencing your selected province. Download as PDF or Word.
Guarantee and Indemnity Agreement (Canada)
Create a legally binding Guarantee and Indemnity Agreement under Canadian law. This template complies with provincial Statute of Frauds requirements, references the Mercantile Law Amendment Acts, addresses PPSA considerations for secured creditors, and incorporates provincial Guarantees Acknowledgment Act requirements (e.g., Alberta). Suitable for personal guarantees by corporate directors, officers, or shareholders in support of business loans, leases, or commercial obligations across all Canadian provinces and territories.
IOU (Canada)
Document an informal loan between individuals in Canada with a simple IOU. Records the borrower, lender, amount in CAD, and repayment date under Canadian law.
IOU / Debt Acknowledgment (Canada)
Create a Canadian IOU (Debt Acknowledgment) for informal loans between individuals. Covers Criminal Code s.347 interest cap (35% APR), provincial limitation periods, repayment schedules, and default provisions.
Loan Agreement (Canada)
Create a legally sound Canadian loan agreement for personal or business loans. This template references the federal Interest Act (max 60% criminal rate under Criminal Code s.347), provincial PPSA registration requirements, and lets you select your governing province. Covers fixed and variable interest rates, repayment schedules, default provisions, and security/collateral options. Fill out the wizard, preview in real time, and download as PDF or Word — free.
Family Loan Agreement (Canada) (Loans)
Create a legally binding Canadian family loan agreement to formalize lending between relatives. This template references the federal Interest Act (R.S.C. 1985, c. I-15), the Criminal Code s.347 interest rate cap of 60%, CRA attribution rules for family loans under the Income Tax Act, and provincial consumer protection legislation. Covers loan purpose, interest rates, repayment schedules, late fees, and optional clauses for force majeure, confidentiality, indemnification, and dispute resolution. Select your governing province, fill out the wizard, and download as PDF or Word — free.
Loan Agreement Payment Plan (Canada)
Create a Canadian Loan Agreement Payment Plan for structured debt repayment. Compliant with the Interest Act (R.S.C. 1985, c. I-15) and Criminal Code interest rate limits. Covers payment schedules, interest, late fees, default provisions, and amounts in Canadian dollars.
Personal Loan Agreement (Canada)
Create a Canadian Personal Loan Agreement between individuals. Covers Criminal Code s.347 interest cap (35% APR), Interest Act compliance, PPSA security registration, ITA s.20(1)(c) deductibility, and flexible repayment schedules.
Loan Agreement with Personal Guarantee (Canada)
Create a Canadian loan agreement with a personal guarantee clause. This template references the federal Interest Act (R.S.C. 1985, c. I-15), the Criminal Code s.347 interest rate cap, and provincial PPSA requirements for secured loans. Includes personal guarantee terms, security/collateral provisions, prepayment rights, and default remedies. Ideal for business loans where a third party guarantees repayment. Select your governing province, fill out the wizard, and download as PDF or Word — free.
Shareholder Loan Agreement (Canada)
Create a Canadian shareholder loan agreement to formalize loans between a corporation and its shareholders. This template references the Income Tax Act s.15(2) shareholder loan rules, the Canada Business Corporations Act (CBCA), the federal Interest Act, and Criminal Code s.347. Covers fixed and revolving credit, interest rates, repayment schedules, default provisions, and CRA compliance requirements. Select your governing province and download as PDF or Word — free.
Personal Guarantee for Loan (Canada)
Create a Personal Guarantee for a loan under Canadian law. Complies with provincial Statute of Frauds requirements, addresses PPSA registration for secured creditors, references the Mercantile Law Amendment Acts, incorporates Alberta Guarantees Acknowledgment Act requirements, and covers continuing guarantees, liability caps, BIA bankruptcy implications, and CRA tax considerations for guarantors.
Promissory Note (Canada)
Formalize a loan between individuals or businesses in Canada with our free Promissory Note template. This document complies with the Bills of Exchange Act (R.S.C., 1985, c. B-4) and the Interest Act (R.S.C., 1985, c. I-15), includes the Criminal Code section 347 criminal interest rate disclosure, and references the Bankruptcy and Insolvency Act. Supports interest-bearing and interest-free options, lump-sum and installment repayment schedules, late payment penalties, and province-specific governing law.
Credit Line Agreement Chile (Contrato de Línea de Crédito)
A Credit Line Agreement (Contrato de Línea de Crédito) for Chile governed by Código Civil Article 2196 (mutuo) and CMF regulations on revolving credit facilities, by which a lender (otorgante) makes available a revolving credit facility (línea de crédito) up to an agreed maximum amount (cupo máximo) to a borrower (titular) who may draw, repay, and re-draw funds within the credit limit, with interest charged only on the outstanding drawn balance.
Loan Agreement Chile (Contrato de Mutuo de Dinero)
A Loan Agreement (Contrato de Mutuo de Dinero) for Chile governed by Código Civil Articles 2196–2211 and Ley 18.010/1981 on credit operations, by which a mutuante (lender) delivers a sum of money to a mutuario (borrower), who undertakes to repay the same amount plus agreed interest within the stipulated period, with optional notarial execution before a Notario Público.
Mortgage Loan Agreement Chile (Contrato de Mutuo Hipotecario)
A Mortgage Loan Agreement (Contrato de Mutuo Hipotecario) for Chile governed by Código Civil Articles 2196–2211 (mutuo) and Articles 2407–2434 (hipoteca), by which a lender (mutuante) delivers a sum of money to a borrower (mutuario) who undertakes to repay an equivalent amount plus interest, secured by a first-ranking mortgage (hipoteca de primer grado) over immovable property inscribed in the Conservador de Bienes Raíces.
Promissory Note Chile (Pagaré)
A Promissory Note (Pagaré) for Chile governed by Ley N° 18.092 on Letras de Cambio y Pagarés Articles 102–107, by which a suscriptor (maker) unconditionally promises to pay a determined sum in Chilean Pesos (CLP) or Unidades de Fomento (UF) to a beneficiario (payee) at a specified maturity date, constituting a título ejecutivo enforceable through juicio ejecutivo proceedings.
Simple Promissory Note Chile (Pagaré Simple)
A Simple Promissory Note (Pagaré Simple) for Chile — governed by Ley N° 18.092 of 1982 Article 102 — a streamlined single-payment instrument by which a suscriptor unconditionally promises to pay a fixed sum in CLP or UF to a named beneficiario at a specified maturity date, constituting a título ejecutivo enforceable through juicio ejecutivo before the Juzgado de Letras en lo Civil.
Guarantee Endorsement Colombia (Aval de Título Valor)
A Guarantee Endorsement (Aval) for Colombia governed by the Código de Comercio (CCo) — Decreto 410 de 1971 — Articles 633 through 642, through which a third party (avalista) guarantees payment of a título valor (pagaré, letra de cambio, or cheque), assuming joint and several liability (responsabilidad solidaria) with the person guaranteed (avalado).
Cheque Title Value Colombia (Cheque como Título Valor)
A Cheque (Cheque como Título Valor) for Colombia governed by the Código de Comercio (Decreto 410 de 1971) Articles 712 through 751, constituting an unconditional order to a bank (librado) to pay a specified sum from the drawer's account. Qualifies as a título valor (negotiable instrument) with executive enforcement through proceso ejecutivo under the Código General del Proceso (Ley 1564 de 2012) Article 422.
Mortgage Loan Agreement Colombia (Contrato de Crédito Hipotecario)
A mortgage loan agreement for the acquisition, construction, or improvement of housing in Colombia, governed by Ley 546 de 1999 (Ley de Vivienda), Decreto 663 de 1993 (EOSF), and Ley 795 de 2003, denominated in UVR (Unidad de Valor Real) or in pesos at a fixed or variable rate.
Housing Leasing Agreement Colombia (Contrato de Leasing Habitacional)
A housing leasing (leasing habitacional) agreement in Colombia governed by Ley 795 de 2003 Articles 1-18 and Decreto 663 de 1993 (EOSF), under which a bank acquires a home and leases it to a locatario with a purchase option at a predetermined price at the end of the term.
Civil Loan Agreement Colombia (Contrato de Mutuo Civil)
A Civil Loan Agreement (Contrato de Mutuo Civil) for Colombia governed by Codigo Civil Articles 2221 through 2235, establishing the terms under which one party (mutuante/prestamista) delivers a sum of money or fungible goods to another party (mutuario/prestatario) who acquires ownership and is obligated to return an equivalent amount of the same kind and quality.
Shareholder Loan Agreement Colombia (Contrato de Prestamo entre Socios)
A Shareholder Loan Agreement (Contrato de Prestamo entre Socios y Sociedad) for Colombia governing loans between shareholders (socios/accionistas) and their company (sociedad), subject to Codigo de Comercio Article 1163, Ley 1258 de 2008 (Sociedad por Acciones Simplificada — SAS), and the interest rate framework certified by the Superintendencia Financiera de Colombia.
Promissory Note Endorsement Colombia (Endoso de Pagaré)
A Promissory Note Endorsement (Endoso de Pagaré) for Colombia governed by the Código de Comercio (CCo) — Decreto 410 de 1971 — Articles 654 through 667, enabling the transfer of rights on a pagaré (título valor) from the current holder (endosante) to a new holder (endosatario). The endorsement may be en propiedad (full transfer), en procuración (for collection), or en garantía (as collateral).
Bill of Exchange Colombia (Letra de Cambio)
A Bill of Exchange (Letra de Cambio) for Colombia governed by the Código de Comercio (Decreto 410 de 1971) Articles 671 through 708, constituting an unconditional order to pay a specified sum. Qualifies as a título valor (negotiable instrument) with executive enforcement through proceso ejecutivo under the Código General del Proceso (Ley 1564 de 2012) Article 422.
Promissory Note Colombia (Pagaré)
A Promissory Note (Pagaré) for Colombia governed by the Código de Comercio (Decreto 410 de 1971) Articles 709 through 721, constituting an unconditional promise to pay a specified sum. Qualifies as a título valor (negotiable instrument) with executive enforcement through proceso ejecutivo under the Código General del Proceso (Ley 1564 de 2012) Article 422.
Bank Loan / Credit Application Colombia (Solicitud de Crédito Bancario)
A formal bank loan or credit application for individuals or businesses in Colombia, governed by Decreto 663 de 1993 (EOSF), Ley 1527 de 2012, and Circular Básica Contable de la Superintendencia Financiera, covering personal loans, business credit, and commercial lines of credit.
ICETEX Student Loan Application Colombia (Solicitud de Crédito ICETEX)
A student loan application to ICETEX (Instituto Colombiano de Crédito Educativo y Estudios Técnicos en el Exterior) for higher education financing in Colombia, governed by Ley 1002 de 2005 and Decreto 2394 de 2003, covering undergraduate, postgraduate, and international study programs.
Commercial Loan Agreement
Document a business loan with this US Commercial Loan Agreement. Covers loan amount, interest rate, repayment schedule, collateral, covenants, events of default, and lender remedies.
Personal Loan Agreement Germany
A Personal Loan Agreement for Germany governed by BGB §488, covering private lending between individuals or non-bank entities.
Shareholder Loan Agreement Germany (Gesellschafterdarlehensvertrag)
Shareholder loan agreement for a German GmbH — governed by BGB §488 and GmbHG §30. Covers loan amount, interest, repayment, subordination (Nachrangigkeit), and capital maintenance rules to avoid disguised return of capital.
Debt Acknowledgment
Sometimes you lend money to a friend, a family member, or a business partner with nothing more than a handshake. A Debt Acknowledgment fixes that by creating a written record where the borrower formally admits they owe a specific amount. It’s not a full loan agreement — it’s simpler than that. It just confirms the debt exists, states the amount, and may outline basic repayment terms. If things go sideways, this document can be your best evidence in court. Our free template covers the debtor and creditor details, the amount owed, and repayment conditions. Download as PDF or Word.
Demand Promissory Note
Formalize a loan repayable immediately upon the lender's demand with this US Demand Promissory Note. Covers principal amount, interest rate, acceleration, default, and governing law under the Uniform Commercial Code Article 3.
Microcredit Agreement Spain
A Microcredit Agreement (Acuerdo de Microcrédito) for Spain — governed by Ley 16/2011 de Contratos de Crédito al Consumo, Article 1, establishing a small-value credit facility for entrepreneurs, microenterprises, and underserved borrowers, with full disclosure of APR and repayment terms as required by the Banco de España.
Guaranteed Loan Agreement Spain (Acuerdo de Préstamo con Aval)
A Guaranteed Loan Agreement (Acuerdo de Préstamo con Aval) for Spain — governed by the Código Civil Articles 1822 through 1856 on the fianza (surety), with the guarantor (avalista) assuming personal liability for the borrower's obligations before the Juzgado de Primera Instancia.
Mortgage-Backed Loan Agreement Spain (Préstamo con Garantía Inmobiliaria)
A Mortgage-Backed Loan Agreement (Préstamo con Garantía Inmobiliaria) for Spain — governed by Ley 5/2019 reguladora de los contratos de crédito inmobiliario Article 4, establishing consumer mortgage protections administered by the Banco de España and formalized before a Notario.
Personal Loan Agreement Spain (Acuerdo de Préstamo Personal)
A Personal Loan Agreement (Acuerdo de Préstamo Personal) for Spain — governed by the Código Civil Article 1740 on the mutuo, establishing a binding repayment obligation enforceable before the Juzgado de Primera Instancia under Ley de Enjuiciamiento Civil.
Pledged Asset Loan Agreement Spain (Préstamo Pignoraticio)
A Pledged Asset Loan Agreement (Préstamo Pignoraticio) for Spain — governed by the Código Civil Article 1857 on the prenda, creating a real right of pledge over movable assets such as securities, bank deposits, or valuables as security for the loan.
Bank Cheque Spain (Cheque Bancario)
A Bank Cheque (Cheque Bancario) for Spain — governed by Ley 19/1985, de 16 de julio, Cambiaria y del Cheque, Article 106, establishing the formal requirements for a valid cheque drawn on a Spanish credit institution authorised by the Banco de España.
Private Loan Agreement Spain (Préstamo entre Particulares)
A Private Loan Agreement (Contrato de Préstamo entre Particulares) for Spain — governed by Código Civil Articles 1740–1755 — formalising loans between private individuals with defined repayment terms, interest provisions, and tax reporting obligations to the Agencia Tributaria under the Modelo 600 ITP-AJD framework.
Bill of Exchange Spain (Letra de Cambio)
A Bill of Exchange (Letra de Cambio) for Spain — governed by Ley 19/1985 Cambiaria y del Cheque Article 1, creating an unconditional written order to pay a specified sum on a fixed date, enforceable through the juicio cambiario procedure before the Juzgado de Primera Instancia.
Promissory Note Spain (Pagaré)
A Promissory Note (Pagaré) for Spain — governed by the Ley 19/1985 Cambiaria y del Cheque, Articles 94–97, as a formal negotiable instrument by which the issuer (librador) unconditionally promises to pay a specified sum to the payee (tenedor) on a fixed date, enforceable through the procedimiento cambiario of the Ley de Enjuiciamiento Civil.
Loan Agreement Finland
Kirjallinen velkakirja lainanantajan ja lainanottajan välillä velkakirjalain (622/1947), korkolain (633/1982) 4 §:n ja kuluttajaluotossa kuluttajansuojalain (38/1978) 7 luvun mukaisesti. Sääntelee lainan määrää, korkoa, lyhennystä, viivästyskorkoa ja ulosottoa.
Hire Purchase Agreement Finland
Osamaksukauppasopimus myyjän ja ostajan välillä osamaksukauppalain (91/1966) ja kuluttajansuojalain (38/1978) 7 luvun mukaisesti. Sisältää omistuksenpidätysehdon, osamaksuehdot, viivästyskoron ja takaisinotto-oikeuden.
Pledge Agreement Finland
Kirjallinen panttaussopimus, jolla pantinantaja asettaa irtaimen esineen, arvopaperit, saatavan tai kiinteistön vakuudeksi päävelvoitteen täyttämisestä. Kauppakaari (3/1734) 10 luku, laki takauksesta ja vierasvelkapanttauksesta (361/1999) ja maakaari (540/1995) 17 luku.
Investment Loan Agreement Finland
Sijoituslainasopimus (margin-laina) osakkeisiin tai muihin arvopapereihin sijoittamiseen Suomessa. Kattaa lainaehdot, korkomekanismin, vakuustasoseurannan ja margin call -menettelyn sijoituspalvelulain (747/2012) mukaisesti.
Guarantee Agreement Finland
Takaussopimus takauksesta ja vierasvelkapanttauksesta annetun lain (361/1999) mukaisesti. Takaaja sitoutuu vastaamaan päävelallisen velasta velkojalle. Sääntelee takauksen lajia, enimmäismäärää, velkojan tiedonantovelvollisuutta ja takaajan takautumisoikeutta, yksityistakaajan erityissuojineen.
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