Skip to main content
Forms Legal

Financial

Financial Agreements

Payment plans, installment agreements, fee structures, and investment contracts. Free templates — download PDF or Word, no signup required (2026).

Instalment Payment Agreement (Australia)

Create a formal Instalment Payment Agreement for Australia. Documents repayment of a debt or purchase price in scheduled instalments in AUD. Covers payment schedule, interest, default consequences, and governing law under Australian contract principles.

Payment Plan Agreement (Australia)

A Payment Plan Agreement (also called an instalment payment plan or repayment arrangement) is a binding written contract between a creditor and a debtor that sets out a structured schedule for repaying an outstanding debt in regular instalments rather than as a single lump sum. In Australia, these agreements are used across a broad range of contexts — from businesses allowing customers to settle overdue invoices by instalments, to landlords accepting arrears payments from tenants, to individuals agreeing to repay personal debts to family members or friends. Under Australian law, payment plan agreements are governed by a combination of contract law and specific statutory regimes depending on the nature of the debt and the parties involved. The most significant regulatory framework is the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act) and the National Credit Code (Schedule 1 to the NCCP Act), which apply when a creditor provides credit to an individual for personal, domestic, or household purposes and charges interest or fees for doing so. Where the NCCP Act applies, the creditor must hold an Australian Credit Licence issued by the Australian Securities and Investments Commission (ASIC), provide mandatory pre-contractual disclosures, comply with responsible lending obligations, and follow prescribed enforcement procedures (including serving a default notice with at least 30 days to remedy before commencing enforcement action). For commercial debts — for example, where a business provides goods or services on credit to another business — the NCCP Act generally does not apply. Such arrangements are governed by general contract law, the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)), and (where relevant) the Personal Property Securities Act 2009 (Cth) (PPSA). The Australian Consumer Law prohibits unfair contract terms in standard form consumer and small business contracts, and any late payment fee or other charge included in a payment plan agreement must not be an unfair contract term or amount to an unenforceable penalty under the common law penalty doctrine. A well-drafted Payment Plan Agreement provides certainty for both parties. For the creditor, it creates an enforceable repayment schedule and records the debtor's acknowledgment of the debt, which is important if legal proceedings ever become necessary. For the debtor, it provides a structured, manageable pathway to clearing the debt, protects against unexpected demands for immediate payment in full, and may help preserve a commercial relationship with the creditor. Key terms that should be included in an Australian Payment Plan Agreement include: the full names and addresses of both parties; a clear description of the original debt and how it arose; the total amount outstanding in Australian Dollars (AUD); the number, amount, and frequency of instalments (whether weekly, fortnightly, monthly, or quarterly); the date the first payment is due; the method of payment (for example, EFT, BPAY, direct debit, or cheque); the annual interest rate (if any) and how it is calculated; any late payment fee (which must be a genuine pre-estimate of loss and not a penalty); the consequences of default, including acceleration of the outstanding balance; and the governing law (being the law of the relevant Australian state or territory). From a practical standpoint, parties should also consider whether the creditor should register a security interest on the Personal Property Securities Register (PPSR) if the debt is secured by personal property, and whether the agreement triggers any stamp duty obligations under state or territory legislation (though most payment plan agreements for debt do not attract stamp duty in Australia). This template is suitable for use throughout Australia, including in New South Wales, Victoria, Queensland, Western Australia, South Australia, Tasmania, the Australian Capital Territory, and the Northern Territory. It is designed for both consumer and commercial payment arrangements and should be reviewed by a solicitor where the NCCP Act may apply or where significant sums are involved.

Security Agreement (PPSA) — Australia

Create an Australian Security Agreement registrable on the Personal Property Securities Register (PPSR). Covers creation and attachment of security interests under the Personal Property Securities Act 2009 (Cth), collateral description (ALLPAAP, specific goods, receivables, inventory, equipment), perfection by registration, priority rules, proceeds, insurance covenants, all-monies obligations, and PPSA enforcement rights under Chapter 4. Suitable for commercial lenders, financiers, trade creditors, and asset-based finance.

Angel Investment Agreement Brazil (Contrato de Investimento Anjo)

An Angel Investment Agreement (Contrato de Investimento Anjo) for Brazil — governed by Lei Complementar 155/2016 Art. 61-A, allowing angel investors to contribute funds to microenterprises and small businesses (MEI, ME, EPP) without becoming partners or assuming liabilities of the investee.

Credit Agreement (Canada)

Create a legally binding Canadian Credit Agreement for extending credit to a customer or business. Covers credit limit, interest rate (compliant with the criminal rate under the Criminal Code), repayment terms, security, default provisions, and provincial consumer protection compliance.

Guarantee Agreement (Canada)

Formalize a personal or corporate guarantee for a Canadian debt or obligation. Covers guarantor liability, primary debt details in CAD, and enforcement under provincial guarantee law.

Personal Guarantee (Canada)

Create a binding personal guarantee in Canada. Guarantor takes personal liability for a company or individual's debt under Canadian contract law, the Bank Act, and provincial guarantee legislation including Ontario's Statute of Frauds requirements.

Royalty Agreement (Canada)

Create a Canadian Royalty Agreement for intellectual property licensing with royalty payments. Covers Copyright Act moral rights, Patent Act, Trademarks Act, GST/HST on royalties, Part XIII withholding tax, and CRA reporting obligations.

Loan Agreement Switzerland (Darlehensvertrag)

A Loan Agreement (Darlehensvertrag) for Switzerland — governed by the Swiss Code of Obligations (OR) Articles 312–318, covering Darlehenssumme, Zinssatz, Rückzahlungsmodalitäten, and Verrechnungssteuer obligations for private and commercial lending arrangements.

Merchant Current Account Agreement Chile

A Merchant Current Account Agreement (Contrato de Cuenta Corriente Mercantil) for Chile governed by Código de Comercio Articles 602–617, by which two merchants (comerciantes) agree to remit reciprocal credits to a common account, with the balance (saldo) at each period's end constituting an autonomous liquid obligation enforceable as a título ejecutivo.

Bill of Exchange Chile (Letra de Cambio)

A Bill of Exchange (Letra de Cambio) for Chile governed by Ley N° 18.092/1982 Articles 1–101, by which a librador (drawer) orders a librado (drawee) to pay a determined sum in Chilean Pesos (CLP) or UF to a beneficiario (payee) on a specified date, constituting a título ejecutivo enforceable through juicio ejecutivo under CPC Article 434.

Condominium Fee Payment Plan Agreement Colombia

Formal payment plan agreement between a property owner and the condominium administration in Colombia for settling unpaid monthly fees (cuotas de administración) under Ley 675 de 2001 and the propiedad horizontal regime.

Payment Plan Agreement Colombia (Acuerdo de Plan de Pagos)

A Payment Plan Agreement (Acuerdo de Plan de Pagos) for Colombia governed by the Código Civil Article 1602 (autonomía de la voluntad) and enforceable through the proceso ejecutivo under the Código General del Proceso (CGP — Ley 1564 de 2012) Article 422, establishing a structured schedule for repayment of an existing obligation through periodic instalments.

Credit Facility Agreement Colombia (Contrato de Apertura de Crédito)

A Credit Facility Agreement (Contrato de Apertura de Crédito) for Colombia governed by the Código de Comercio (Decreto 410 de 1971) Articles 1400 through 1407, establishing a revolving or non-revolving credit line between a lender and borrower. Subject to oversight by the Superintendencia Financiera de Colombia (SFC) when the lender is a regulated financial institution under the Estatuto Orgánico del Sistema Financiero (EOSF — Decreto 663 de 1993).

Cesantías Withdrawal Application Colombia (Solicitud de Retiro de Cesantías)

A Cesantías Withdrawal Application (Solicitud de Retiro de Cesantías) for Colombia governed by Ley 50 de 1990 Article 14 and Decreto 1072 de 2015, allowing workers to request partial or total withdrawal of accumulated severance fund deposits for housing, education, or other legally authorized purposes.

Joint Bank Account Agreement Spain (Cuenta Bancaria Conjunta)

A Joint Bank Account Agreement (Acuerdo de Cuenta Bancaria Conjunta) for Spain — governed by the Código Civil Article 1137 on joint obligations and the Ley 10/2014 de Ordenación, Supervisión y Solvencia de Entidades de Crédito, establishing shared ownership and operating rights over a bank account held with a Spanish credit institution supervised by the Banco de España.

Securities Custody Agreement Spain (Acuerdo de Custodia de Valores)

A Securities Custody Agreement (Acuerdo de Custodia de Valores) for Spain — governed by the Ley del Mercado de Valores Real Decreto Legislativo 4/2015 Article 84 and MiFID II (Directiva 2014/65/UE), establishing the terms on which a Spanish investment firm or credit institution holds and administers securities (values) on behalf of an investor client.

Surety Bond Agreement Spain (Contrato de Fianza)

A Surety Bond Agreement (Contrato de Fianza) for Spain — governed by Código Civil Articles 1822–1856, by which a guarantor (fiador) undertakes to pay or perform the obligation of a principal debtor (deudor principal) if the debtor defaults, establishing personal guarantee rights and subrogation remedies under Spanish civil law.

Chattel Mortgage Agreement Spain (Acuerdo de Hipoteca Mobiliaria)

A Chattel Mortgage Agreement (Acuerdo de Hipoteca Mobiliaria) for Spain — governed by Ley de Hipoteca Mobiliaria y Prenda sin Desplazamiento de la Posesión, de 16 de diciembre de 1954, Article 1, enabling creditors to secure loans against movable assets without transferring possession to the creditor.

Pension Plan Agreement Spain (Acuerdo de Plan de Pensiones)

A Pension Plan Agreement (Acuerdo de Plan de Pensiones) for Spain — governed by Real Decreto Legislativo 1/2002 (Ley de Planes y Fondos de Pensiones) Article 1, formalising employer-sponsored or individual pension plan contributions, contingencies, and benefits between the promoter, participants, and beneficiaries before the Dirección General de Seguros y Fondos de Pensiones.

SEPA Direct Debit Mandate Spain

A SEPA Direct Debit Mandate (Mandato de Domiciliación SEPA) for Spain — governed by Reglamento (UE) 260/2012 Article 1 and the Ley 16/2009 de Servicios de Pago, authorising a creditor to collect payments directly from the debtor's bank account through the Single Euro Payments Area network administered in Spain by the Banco de España.

Debt Repayment Plan Spain (Plan de Pago de Deuda)

A Debt Repayment Plan (Plan de Pago de Deuda) for Spain — governed by the Código Civil, Article 1255, establishing contractual freedom for parties to agree customised payment schedules for outstanding debts, supplemented by debt restructuring provisions under the Ley Concursal (TRLC, RDL 1/2020) and the second chance mechanism (Ley de Segunda Oportunidad).

Advance Payment Agreement Finland

Oikeustoimilain (228/1929) ja kauppalain (355/1987) 49–54 §:n mukainen ennakkomaksusopimus, joka määrittää ennakkomaksun suuruuden, maksuaikataulun, toimituksen ehdot, peruutusehdot ja arvonlisäverokäsittelyn arvonlisäverolain (1501/1993) 78–79 §:n mukaisesti.

Asset Financing Agreement (Ghana)

An Asset Financing Agreement for Ghana governing the hire-purchase or instalment acquisition of equipment or vehicles under the Hire Purchase Act 1974 (NRCD 292), with provisions for deposit, repayment schedule, title retention, GRA TIN, and default remedies.

Bank Guarantee (Ghana)

A Bank Guarantee for Ghana in which a Bank of Ghana-licensed bank unconditionally guarantees payment to a beneficiary on behalf of a principal debtor, governed by the Banks and SDIs Act 2016 (Act 930) s.42 and the Contracts Act 1960 (Act 25).

Bank Facility Letter (Ghana)

A formal bank facility letter setting out the terms of a credit facility extended to a borrower in Ghana, governed by the Banks and SDIs Act 2016 (Act 930) and the Bank of Ghana's prudential guidelines.

Installment Payment Agreement (Ghana)

A formal Installment Payment Agreement for Ghana setting out the schedule for repaying a debt or purchase price in periodic payments, governed by the Contracts Act 1960 (Act 25) and enforceable before the High Court (Commercial Division) in Accra.

Pawn/Pledge Agreement (Ghana)

A legally binding Pawn/Pledge Agreement for Ghana under the Pawnbrokers Law 1986 (PNDCL 172) s.1, documenting the pledge of movable property as security for a loan between a pawnor and a licensed pawnbroker.

HKMA Fintech Supervisory Sandbox Application (Hong Kong)

Application to participate in the Hong Kong Monetary Authority Fintech Supervisory Sandbox (FSS) for testing innovative fintech products under a controlled regulatory environment, covering the product description, regulatory requirements, testing parameters, and exit criteria.

Insurance Policy Assignment (Hong Kong)

An Insurance Policy Assignment for Hong Kong transferring the rights and benefits of an insurance policy from the policyholder to a new assignee.

Investment Fund Prospectus (Hong Kong)

Prospectus supplement for a unit trust or mutual fund authorised under the Securities and Futures Ordinance (Cap. 571) and the SFC Code on Unit Trusts and Mutual Funds in Hong Kong. Covers fund objectives, investment policies, fees, risk factors, subscription and redemption procedures, and mandatory disclosure requirements.

Personal Guarantee (Hong Kong)

A personal guarantee document for Hong Kong commercial and financial obligations, making an individual personally liable for another party's debts or performance under common law.

Share Transfer Agreement (Hong Kong)

A Share Transfer Agreement for Hong Kong transferring ownership of company shares from seller to buyer, subject to stamp duty under the Stamp Duty Ordinance (Cap. 117).

Professional Indemnity Declaration (Ireland)

A declaration confirming professional indemnity insurance coverage for regulated professions and intermediaries in Ireland, as required by the Insurance Distribution Regulations 2018 (S.I. No. 229 of 2018), the Investment Intermediaries Act 1995, and professional body rules of the Law Society of Ireland, Engineers Ireland, and other statutory regulators. Confirms minimum coverage levels, policy details, and compliance with Central Bank of Ireland authorisation conditions.

Bank Locker Agreement (India)

A formal agreement between a bank and a customer for hiring a safe deposit locker under the RBI Master Direction on Safe Deposit Lockers 2021. Sets out the terms of access, rent, nominee rights, liability limits, and surrender conditions for locker facilities in Indian banks.

Optionally Convertible Debenture Agreement (India)

An agreement for the issuance of Optionally Convertible Debentures (OCDs) by an Indian company under Section 71 of the Companies Act 2013 and SEBI regulations. Covers debenture terms, conversion option, interest rate, redemption, security, and compliance with FEMA for foreign investors.

Gift of Shares Deed (India)

A deed of gift for transfer of shares (listed or unlisted) from a donor to a donee in India, addressing tax implications under Section 56(2)(x) of the Income Tax Act 1961, stamp duty under the Indian Stamp Act, and compliance with the Companies Act 2013 and SEBI regulations for share transfers.

Factoring Agreement Mexico (Contrato de Factoraje Financiero)

A Factoring Agreement (Contrato de Factoraje Financiero) for Mexico — governed by the Ley General de Títulos y Operaciones de Crédito (LGTOC) Articles 419 through 431, by which a company (cedente) sells its trade receivables to a factoring company (empresa de factoraje) for immediate cash, with or without recourse against the cedente if the deudor fails to pay.

Surety Agreement Mexico (Contrato de Fianza)

A Surety Agreement (Contrato de Fianza) for Mexico — governed by the Código Civil Federal (CCF) Articles 2794 through 2855, establishing a personal guarantee by which the fiador (surety) promises to fulfill the debtor's obligation if the principal debtor (deudor principal) defaults, with benefit of order and division unless waived.

Debenture Deed (Malaysia)

A Debenture Deed for Malaysia that creates a fixed and/or floating charge over the assets of a company incorporated under the Companies Act 2016 (Act 777) as security for a loan or credit facility. Compliant with Sections 352 to 369 of the Companies Act 2016 and the National Land Code 1965 (for land charges).

Escrow Agreement (Malaysia)

An Escrow Agreement for Malaysia appointing an escrow agent to hold funds or documents pending fulfilment of conditions precedent under the Contracts Act 1950, the Housing Development (Control and Licensing) Act 1966 for property transactions, and guidelines issued by Bank Negara Malaysia. Covers escrow conditions, release triggers, investment of funds, and dispute resolution.

Share Subscription Agreement (Malaysia)

A Share Subscription Agreement for Malaysia by which an investor subscribes for newly issued shares in a company at an agreed price — governed by the Companies Act 2016, Contracts Act 1950, and Capital Markets and Services Act 2007. Covers subscription price, conditions precedent, representations and warranties, and completion mechanics.

Sukuk Wakaf (Malaysia)

A Sukuk Wakaf structure document for Malaysia that mobilises endowment (waqf) assets through Shariah-compliant capital market instruments under the Securities Commission Malaysia SC Guidelines on SRI Sukuk 2014 and Bank Negara Malaysia's Shariah Advisory Council (SAC) resolutions. Covers asset dedication, Shariah compliance, trust mechanics, and investor return structure.

Takaful Family Certificate (Malaysia)

A Family Takaful Certificate for Malaysia — the Shariah-compliant equivalent of life insurance — covering death, total permanent disability, critical illness, and long-term savings under a licensed Takaful operator regulated by BNM under the Islamic Financial Services Act 2013. Incorporates both the risk (tabarru') and investment (participant's account) components under wakalah or mudharabah models approved by the BNM Shariah Advisory Council.

Letter of Credit (Nigeria)

A Documentary Letter of Credit template for Nigerian trade finance transactions, compliant with the Uniform Customs and Practice for Documentary Credits (UCP 600), Central Bank of Nigeria foreign exchange guidelines, and the Bills of Exchange Act (Cap B8, LFN 2004).

Trade Finance Agreement (Nigeria)

A Trade Finance Agreement for Nigeria between a bank or financial institution and an importer or exporter, covering letters of credit, documentary collections, import finance, and export finance facilities governed by the Banks and Other Financial Institutions Act 2020 (BOFIA), CBN Trade Finance Regulations, and UCP 600.

Investment Agreement (New Zealand)

A comprehensive New Zealand Investment Agreement for equity, convertible note, SAFE, or debt investments in NZ companies. Compliant with the Financial Markets Conduct Act 2013 (FMC Act), Companies Act 1993, Contract and Commercial Law Act 2017 (CCLA 2017), and Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (AML/CFT Act). Covers wholesale investor classification exemptions, FMA regulatory framework, pre-money and post-money valuation, conversion discount and valuation cap for convertible notes, pro-rata rights, information rights, board observer rights, eligible investor certificate requirements, and Electronic Transactions Act 2002 electronic signature provisions. Suitable for startups, angel investors, and venture capital funds in New Zealand.

Bank Guarantee Letter (Philippines)

A Bank Guarantee Letter for the Philippines under which a BSP-supervised bank undertakes to pay a beneficiary upon demand if the principal defaults. Governed by the Civil Code (RA 386), General Banking Law (RA 8791), and BSP regulations.

Escrow Agreement (Philippines)

An Escrow Agreement for the Philippines under the Civil Code and BSP regulations, where an escrow agent holds funds, documents, or assets pending fulfillment of conditions by the parties. Covers escrow terms, agent duties, release conditions, and governing regulations.

Guarantee Agreement (Philippines)

A Guarantee Agreement for the Philippines under Civil Code Articles 2047-2084, where a guarantor promises to pay a creditor if the principal debtor defaults. Covers the nature of guaranty (subsidiary liability), benefit of excussion, waiver provisions, and the guarantor's rights of reimbursement and subrogation.

Indemnity Agreement (Philippines)

An Indemnity Agreement for the Philippines under the Civil Code (Articles 2215-2221) by which one party agrees to hold another harmless from specified losses, liabilities, claims, or expenses. Covers indemnitor identification, scope of indemnity, conditions, and subrogation rights.

Instalment Payment Agreement (Portugal)

Instalment payment agreement under Portuguese law (Código Civil arts. 405.º, 781.º).

Debt Confession (Portugal)

Debt confession (confissão de dívida) for Portugal under Código Civil artigo 458.º. Constitutes an executive title under CPC artigo 703.º when signed with witnessed signatures. Includes default interest, payment plan options and guarantee choices.

Assignment of Credits Agreement — Portugal

Assignment of credits agreement for Portugal — governed by Código Civil arts. 577.º to 588.º. Covers transfer of receivables, notification to debtor and cedent guarantees.

Suretyship Agreement (Quebec)

Create a legally compliant Quebec suretyship agreement (contrat de cautionnement) under articles 2333 to 2366 of the Civil Code of Quebec. This document allows a surety (caution) to guarantee the obligation of a principal debtor toward a creditor. The template covers both simple and solidary suretyship, maximum guaranteed amounts, conditions for release, subrogation rights, and notice of default provisions. All clauses comply with Quebec civil law requirements including the good faith obligation under art. 1375 CCQ.

Assignment of Claim (Quebec)

Create a legally compliant Quebec assignment of claim (cession de créance) under articles 1637-1646 of the Civil Code of Quebec. This document transfers a creditor's claim against a debtor to a third party (the assignee), including all accessories of the claim. The template covers the description of the assigned claim, consideration, assignor warranties on existence and solvency, notification requirements to the debtor under arts. 1641-1642 C.c.Q., and effects of the assignment on all parties involved.

Insurance Contract (Quebec)

Create a Quebec insurance contract governed by the Code civil du Québec (arts. 2389-2628). This contract establishes the insurance relationship between insurer and insured, covering risk declaration obligations (art. 2408), coverage terms, premiums, deductibles, and claims procedures. Drafted in French with Quebec-specific provisions including the utmost good faith duty critical in insurance law and subrogation rights (art. 2474).

Credit-Bail (Leasing Agreement) — Quebec

Create a legally compliant Quebec crédit-bail (leasing) agreement under arts. 1842-1850 of the Code civil du Québec. This financial leasing contract covers the creditor-lessor's acquisition of property from a third-party supplier designated by the lessee, detailed rental payment schedule, risk and insurance allocation (art. 1846 CCQ), lessee's guarantees from the supplier (art. 1845 CCQ), optional purchase option at lease end, early termination provisions (art. 1849 CCQ), default and repossession remedies (art. 1850 CCQ), RDPRM registration, and bonne foi obligation (art. 1375 CCQ). Download as PDF or Word.

Payment Agreement (Quebec)

Create a legally compliant Quebec payment agreement (entente de paiement) under articles 1553 to 1568 of the Civil Code of Quebec governing payment of obligations. This document establishes a structured installment plan for repayment of an existing debt, including payment schedule, interest on late payments, grace period, acceleration clause, and default provisions. The template ensures compliance with Quebec civil law including the good faith requirement under art. 1375 CCQ and the rules on imputation of payments under art. 1570 CCQ.

Personal Guarantee (Quebec)

Create a legally valid Quebec personal guarantee (garantie personnelle / cautionnement) under CCQ arts. 2333-2366. Under Quebec civil law, suretyship is express and specific (art. 2335). Choose between simple suretyship (with right of discussion and division, arts. 2347-2350) or solidary suretyship (waiving those rights, art. 2352). Covers maximum guaranteed amount, duration, conditions for calling the guarantee, guarantor's subrogation rights (art. 2360), and termination under art. 2362. Download as PDF or Word.

Showing 60 of 476 available financial agreements templates. Browse by country for the full set: USA, UK, Canada, Australia and 20 more.

Related Legal Guides

How to Write a Promissory NotePromissory Note vs Loan Agreement

Frequently Asked Questions