Financial templates for United States

Browse all 59 free financial legal templates for United States. Download as PDF or Word.

Loans & Promissory Notes

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.

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.

Guarantee and Indemnity Agreement

Create a legally binding Guarantee and Indemnity Agreement under U.S. law. This template complies with the Statute of Frauds requirement that guaranty agreements be in writing, addresses UCC Article 3 considerations for negotiable instruments, incorporates suretyship law principles from the Restatement (Third) of Suretyship and Guaranty, and covers liability caps, continuing guarantee provisions, waivers of suretyship defenses, and demand notice requirements. Suitable for personal guarantees by corporate officers, directors, or shareholders in support of business loans, leases, or commercial obligations.

Installment Promissory Note

Need to borrow money and repay it in regular payments? An Installment Promissory Note sets out the loan amount, fixed payment schedule, interest rate, and what happens if you miss a payment. Qualifies as a negotiable instrument under UCC Article 3. Whether it's a personal loan, business advance, or family arrangement, this free template covers principal, amortized payments, late fees, and acceleration on default. Fill it out, preview, and download as PDF or Word.

Invoice Template

Finished a project and need to get paid? A clear, professional invoice makes sure there's no confusion about what's owed and when. It lists the services or products, quantities, rates, taxes, and payment due date — everything your client needs to process the payment without back-and-forth emails. Works for freelancers, small businesses, and contractors alike. Our template lets you add line items, set payment terms, and include your business details. Fill it out, preview instantly, and download as PDF or Word — free, no sign-up.

Iou Template

Create a professional IOU (I Owe You) document with our free online template. This legally binding acknowledgment of debt clearly records the borrowed amount, the names of the borrower and lender, repayment terms and schedule, interest rate if applicable, and consequences of default. An IOU provides written proof of a personal loan or debt obligation, helping prevent disputes between parties. Suitable for personal loans between friends, family members, or business associates. Fill out the interactive form with guided fields, preview in real time, and download as PDF or Word. Includes electronic signature support under the ESIGN Act and UETA. No account required. Valid in all US states.

Loan Agreement

Lending money to a friend, family member, or business partner? Handshake deals go south fast when memories differ. A Loan Agreement puts the amount, interest rate, repayment schedule, and late-payment penalties in black and white — protecting both the lender and the borrower. It's the difference between a favor and a legal obligation. Our template covers secured and unsecured loans, prepayment terms, default remedies, and governing law. Enter the loan details, preview in real time, and download as PDF or Word — free, no account needed.

Business Loan Agreement

Lending money to or borrowing for a business? A Business Loan Agreement is a comprehensive bilateral contract covering loan amount, interest rate, repayment schedule, collateral, borrower covenants, and events of default aligned with commercial lending standards and the Dodd-Frank Act. Goes far beyond a simple promissory note with representations, financial covenants, and full default remedies under UCC Articles 3 and 9. Free template — fill, preview, and download as PDF or Word.

Car/Auto Loan Agreement

Financing a private car sale or lending money for a vehicle purchase? A Car/Auto Loan Agreement documents the vehicle details, loan amount, APR, monthly payments, and security interest in the vehicle under UCC Article 9 (title lien notation). Protects the lender's right to repossess if the borrower defaults, and includes TILA-style disclosures for consumer auto loans. Free template — fill, preview, and download as PDF or Word.

Employee Loan Agreement

Advancing money to an employee? An Employee Loan Agreement documents the loan amount, repayment through payroll deductions, interest rate, and what happens if employment ends before the loan is repaid. It ensures compliance with the Fair Labor Standards Act (FLSA) wage deduction rules and state payroll deduction laws. Protects the employer's right to collect while maintaining a professional employment relationship. Free template — fill, preview, and download as PDF or Word.

Loan Agreement Family

Create a professional Family Loan Agreement with our free online generator. Formalize lending between family members with clearly defined terms including principal amount, interest rate, repayment schedule, late payment penalties, and default provisions. Protect both lender and borrower while preserving family relationships. Compliant with IRS requirements for family loans to avoid gift tax implications. Preview in real time and download as PDF or Word. Electronic signature support included. Suitable for personal loans in all 50 US states. Consult a tax advisor for large loan amounts.

Loan Agreement Personal

Create a professional Personal Loan Agreement with our free online generator. Document loans between individuals with clearly defined terms including principal amount, interest rate, repayment schedule, late fees, and default provisions. Whether lending to a friend, colleague, or acquaintance, this agreement protects both parties with a legally binding record. Compliant with state usury laws setting maximum interest rates. Preview in real time and download as PDF or Word. Electronic signature support included. Suitable for use in all 50 US states. Consult an attorney for large loan amounts.

Personal Guarantee Agreement

Create a professional Loan Agreement with Personal Guarantee using our free online generator. This document combines standard loan terms with a personal guarantee where an individual pledges personal assets to secure the loan. Define the principal amount, interest rate, repayment schedule, and the scope of the guarantor's liability. Protect lenders with additional security beyond the borrower's promise to repay. Preview in real time and download as PDF or Word. Electronic signature support included. Valid in all 50 US states. Recommended for business loans requiring additional assurance.

Real Estate Loan Agreement

Financing a real estate purchase with private money? A Real Estate Loan Agreement documents the loan amount, interest rate, amortization schedule, and the lender's security interest in the property via a deed of trust or mortgage. Compliant with TILA and Dodd-Frank mortgage rules for consumer loans. Covers escrow for taxes and insurance, due-on-sale clause, and prepayment terms. Free template — fill, preview, and download as PDF or Word.

Secured Loan Agreement

Lending money against collateral? A Secured Loan Agreement combines a comprehensive lending contract with a UCC Article 9 security interest in personal property collateral — equipment, inventory, accounts receivable, vehicles, or other assets. Includes a security agreement, perfection by UCC-1 filing, default and repossession rights, and deficiency remedies. More protection than an unsecured note. Free template — fill, preview, and download as PDF or Word.

Loan Agreement Shareholder

Create a professional Shareholder Loan Agreement with our free online generator. Formalize loans between a company and its shareholders with clearly defined terms including principal amount, interest rate, repayment schedule, subordination clauses, and conversion rights. Ensure compliance with corporate governance requirements and tax regulations. This document protects both the company and the lending shareholder. Preview in real time and download as PDF or Word. Electronic signature support included. Valid across all 50 US states. Consult a corporate attorney and tax advisor for complex shareholder lending arrangements.

Student Loan Agreement

Providing a private student loan for education expenses? A Student Loan Agreement documents the loan amount, interest rate, deferment during enrollment, grace period after graduation, and repayment schedule. Covers TILA disclosure requirements for private education loans under Regulation Z (12 CFR 226.46). Protects both lender and borrower with clear terms for forbearance, default, and cosigner obligations. Free template — fill, preview, and download as PDF or Word.

Personal Guarantee for Loan

Create a Personal Guarantee for a loan under U.S. law. Complies with the Statute of Frauds requirement for written guarantees, covers the distinction between guarantee and indemnity obligations, addresses UCC Article 3 considerations, includes comprehensive waiver of suretyship defenses under the Restatement (Third) of Suretyship and Guaranty, and provides for continuing guarantees, limited liability caps, and SBA loan guarantee compliance. Download as PDF or Word.

Payment Plan Agreement

Owe money but can't pay it all at once? Or someone owes you and you'd rather get paid in installments than not at all? A Payment Plan Agreement breaks a debt into manageable chunks — setting the amount, frequency, interest (if any), late fees, and what triggers a default. It protects both sides and keeps the arrangement enforceable. Our template covers the total balance, installment schedule, payment method, penalties, and acceleration clauses. Fill in the terms, preview in real time, and download as PDF or Word — free, no account needed.

Promissory Note

Lending money to a friend, family member, or business partner? A handshake isn't enough. A Promissory Note puts the loan terms in writing — the amount, interest rate, repayment schedule, and what happens if payments are missed. It protects the lender's right to collect and gives the borrower clear expectations. Whether it's a personal loan or a business advance, having it documented makes all the difference. Our free template covers principal, interest, late fees, and default terms. Fill it out, preview, and download as PDF or Word.

Secured Promissory Note

Need a promissory note backed by collateral? A Secured Promissory Note combines the maker's unconditional promise to pay under UCC Article 3 with a UCC Article 9 security interest in personal property — equipment, inventory, vehicles, or other assets. The lender can repossess and sell the collateral if the borrower defaults, providing far stronger protection than an unsecured note. Free template — fill, preview, and download as PDF or Word.

Invoices & Billing

Billing Statement

Issue a professional billing statement to a client or customer with this US Billing Statement template. Itemizes services or goods, lists previous balance, payments received, and total amount due with payment deadline.

Cash Receipt

Create a professional Donation Receipt with our free online generator. This essential document provides official acknowledgment of a charitable contribution for tax deduction purposes. It records the donor's name, donation amount or description of donated items, date of contribution, organization details, and a statement confirming no goods or services were exchanged. Required by the IRS for tax-deductible donations over $250. Suitable for nonprofits, churches, schools, and charitable organizations. Fill out the interactive form with guided fields, preview in real time, and download as PDF or Word. Includes electronic signature support under the ESIGN Act. No registration required. Valid in all 50 US states.

Credit Memo

Issue a formal credit memo to adjust a customer's account balance with this US Credit Memo template. Covers credit reason, original invoice reference, itemized credit amounts, and account adjustment instructions for accurate financial records.

Estimate Template

A professional business estimate template to quote labor, materials, and services before work begins. Includes line items, totals, validity period, and acceptance signature.

Pro Forma Invoice

Generate a professional Pro Forma Invoice for goods or services before the final transaction is complete. This template is used to provide buyers with a preliminary bill of sale, confirm pricing and terms, facilitate import/export documentation, and support purchase order approval processes. Compliant with standard US commercial invoicing practices.

Purchase Order

Create a professional purchase order (PO) with our free online generator. Specify buyer and seller details, itemized goods or services, quantities, unit prices, shipping method, payment terms, and tax. Includes standard terms and conditions based on UCC Article 2, an inspection and rejection clause, and seller warranties. Preview in real time and download as PDF or Word. Electronic signature support included. Valid across all 50 US states. Consult an attorney for high-value or recurring procurement arrangements.

Vehicle Rental Agreement

Renting out a car, truck, or van — either as a business or a private owner? A Vehicle Rental Agreement protects both you and the renter. It covers the vehicle details, rental period, daily or weekly rate, mileage limits, insurance requirements, fuel policy, and what happens in case of damage or late return. Without one, disputes over scratches, dents, or missing items become he-said-she-said. Put the terms in writing and save yourself the headache. Our free template makes it easy. Fill it out online and download as PDF or Word.

Financial Agreements

Convertible Note

Issue startup financing with this US Convertible Note. Covers principal amount, interest rate, maturity date, conversion triggers, discount rate, valuation cap, and investor rights for seed-stage and early-stage company financing rounds.

Credit Agreement

Establish a revolving or term credit facility with this US Credit Agreement. Covers credit limit, interest rate, draw procedures, repayment schedule, events of default, security, and borrower representations under UCC and federal Truth in Lending requirements.

Escrow Agreement

A three-party escrow agreement appointing a neutral escrow agent to hold funds, documents, or assets pending fulfillment of specified conditions under US contract law.

Fee Agreement

Create a professional Fee Agreement with our free online generator. This legally binding document establishes the compensation terms between a service provider and a client. Covers fee structure (hourly, flat fee, contingency, or retainer), payment schedule, billing procedures, expense reimbursement policies, late payment penalties, scope of services included, additional charges for out-of-scope work, and termination provisions. Commonly used by attorneys, consultants, accountants, architects, and other professionals. Protects both parties by clearly defining financial expectations and payment obligations upfront. Customize with guided form fields, preview in real time, and download as PDF or Word. Includes electronic signature support under the ESIGN Act and UETA. No registration required. Valid in all US states.

Financial Guarantee Letter

A formal letter in which a guarantor commits to satisfy the financial obligations of a primary debtor if the debtor defaults. Covers guarantee scope, conditions, and limitation of liability.

Installment Agreement

Create a legally binding US Installment Agreement setting out a structured repayment schedule, interest rate, default provisions, and remedies for a debt or purchase obligation.

Investment Agreement

Create a professional Investment Agreement with our free online template. This comprehensive legal document formalizes the relationship between an investor and a business or individual receiving funds. It covers the investment amount, ownership percentage or equity stake, expected returns, profit distribution schedule, management rights, exit strategy provisions, and dispute resolution procedures. Protect both parties with clear terms governing the use of invested capital and reporting obligations. Fill out the interactive form with guided fields, preview in real time, and download as PDF or Word. Includes electronic signature support under the ESIGN Act and UETA. No account required. Valid in all US states.

Investment Management Agreement

Formalize the relationship between an investment manager and a client with this US Investment Management Agreement covering investment authority, fee structure, risk tolerance, and fiduciary duties.

Loan Agreement Payment Plan

Create a professional Loan Agreement with Payment Plan using our free online generator. Structure your loan with a detailed repayment schedule including installment amounts, due dates, interest calculations, and grace periods. Define consequences for missed payments, late fees, and acceleration clauses. Suitable for personal loans, business financing, and debt restructuring arrangements. Preview in real time and download as PDF or Word. Electronic signature support included. Compliant with state usury laws across all 50 US states. Ideal for formalizing any lending arrangement with structured payments.

Pledge Agreement

Secure a debt or obligation by pledging collateral with a US Pledge Agreement. Document the pledged assets (securities, personal property, or other assets), define the secured obligation, set default and foreclosure rights, and comply with UCC Article 9 requirements for a perfected security interest.

Security Agreement

Create a UCC-compliant Security Agreement granting a lender a security interest in personal property collateral under Article 9 of the Uniform Commercial Code. Covers collateral description, secured obligations, debtor rights, and default remedies.

Debt & Collections

Cease Collections Letter

Exercise your rights under the Fair Debt Collection Practices Act (FDCPA) by sending a formal Cease and Desist letter to a debt collector. Once received, collectors must stop all contact except to notify you of specific legal actions. This template helps consumers protect themselves from harassing or abusive debt collection practices.

Debt Forgiveness Letter

Formally forgive an outstanding debt or portion thereof with this US Debt Forgiveness Letter. Covers original debt details, amount forgiven, IRS Form 1099-C implications, and release of the debtor from further obligation under applicable federal and state law.

Debt Settlement Agreement

Drowning in debt you can’t fully repay? Or are you the creditor tired of chasing payments? A Debt Settlement Agreement lets both sides negotiate a resolution — typically the debtor pays a reduced lump sum or a structured payment plan, and the creditor agrees to forgive the remaining balance. It’s a practical way to resolve debt without going to collections or court. The document covers the original debt amount, the settlement amount, payment schedule, and a release of claims once the terms are met. Our free template makes the process straightforward. Download as PDF or Word.

Debt Validation Letter

Create a professional Debt Validation Letter with our free online generator. This important consumer rights document formally requests a debt collector to verify the legitimacy and accuracy of a claimed debt under the Fair Debt Collection Practices Act (FDCPA). Demands proof of the original creditor, the exact amount owed, account documentation, and the collector's legal authority to collect. Protects consumers from fraudulent or erroneous collection attempts by requiring creditors to substantiate their claims before continuing collection activities. Must be sent within 30 days of initial contact from the collector. Customize with guided form fields, preview in real time, and download as PDF or Word. Includes electronic signature support. No registration required. Valid in all US states.

Demand Letter

Before you file a lawsuit, try a Demand Letter. It’s a formal written request telling someone they owe you money, need to fulfill an obligation, or must take a specific action — and that you’re serious enough to take legal action if they don’t comply. Many disputes get resolved at this stage, saving both sides the cost and hassle of going to court. A well-written demand letter states the facts, explains the legal basis, specifies exactly what you want, and sets a clear deadline. Our free template guides you through each section. Fill it out, preview your letter, and download as PDF or Word.

Hardship Letter

A formal letter explaining financial hardship to a lender, servicer, or creditor to request loan modification, forbearance, short sale approval, or debt relief. Used for mortgages, student loans, and other debts.

Letter Of Intent To Sue

Create a professional Letter of Intent to Sue (demand letter) with our free online template. This formal notice informs a party that legal action will be pursued unless a dispute is resolved. It outlines the nature of the grievance, the legal basis for the claim, the damages sought, and a deadline for response or settlement. Sending a demand letter before filing a lawsuit is often required or recommended, and it demonstrates good faith in attempting to resolve the matter. Fill out guided fields, preview in real time, and download as PDF or Word. Includes electronic signature support. Valid in all US states.

Past Due Invoice Letter

Collect overdue payments professionally with a US Past Due Invoice Letter. Reference the original invoice, state the outstanding balance and days past due, specify any late fees or interest accruing under your agreement, and set a firm deadline for payment before escalating to collections or legal action.

Financial Forms

401(k) Plan Enrollment Form

Starting a new job or finally ready to sign up for your employer's 401(k)? This enrollment form walks you through every election you need to make — pre-tax or Roth contributions, contribution percentage, investment fund allocations, catch-up contributions if you're 50 or older, and beneficiary designations. Governed by IRC §401(k) and ERISA §404(c), a properly completed enrollment form locks in your payroll deductions and satisfies DOL record-keeping requirements. Fill in your details, review the IRS contribution limits, and download a ready-to-sign PDF or Word document.

ACH Authorization Form

Create a professional ACH Authorization Form with our free online generator. This legally binding document authorizes electronic fund transfers through the Automated Clearing House network for recurring payments, direct debits, or one-time transactions. The form captures the account holder's information, bank routing and account numbers, transaction details, and authorization terms. Ideal for businesses setting up vendor payments, subscription billing, or payroll processing. Fill out the interactive form with guided fields, preview in real time, and download as PDF or Word. Includes electronic signature support under the ESIGN Act and UETA. No registration required. Valid in all 50 US states.

ACH Authorization Form - Direct Deposit

Create a professional ACH Authorization Form for Direct Deposit with our free online generator. This legally binding document authorizes an employer, bank, or organization to deposit funds directly into a designated bank account via the Automated Clearing House network. The form captures account holder details, bank routing and account numbers, deposit type, and authorization terms. Fill out the guided interactive form with helpful field descriptions, preview your document in real time, and download as PDF or Word. Includes electronic signature support under the ESIGN Act and UETA. No registration required. Valid in all 50 US states.

Bank Confirmation Letter

Create a professional Bank Confirmation Letter with our free online generator. This formal document requests or confirms banking relationship details such as account balances, account types, account holder information, and the duration of the banking relationship. It is commonly required for loan applications, visa processing, business partnerships, rental agreements, and audit verifications. The letter includes the bank's name, customer details, account information, and the purpose of the confirmation. Fill out the interactive form with guided fields, preview your document in real time, and download as PDF or Word. Includes electronic signature support under the ESIGN Act. No registration required. Valid in all 50 US states.

Retirement Plan Beneficiary Designation Form

Your 401(k), IRA, or other retirement account will not automatically follow your will — it goes to whoever is named on the beneficiary designation form on file with your plan administrator or financial institution. This form lets you designate primary and contingent beneficiaries, choose between per stirpes and per capita distribution methods, include trust beneficiary details, and comply with ERISA §205 spousal consent requirements. Governed by IRC §401(a)(9), ERISA §205, and the SECURE Act and SECURE 2.0 Act. Fill in the details and download a ready-to-submit PDF or Word document.

Chargeback Request Letter

Create a formal Chargeback Request Letter to your bank or card issuer under the Fair Credit Billing Act (15 U.S.C. 1666) and Regulation Z. Covers transaction details, dispute reason, merchant contact attempts, supporting documents, and remedy sought.

Direct Deposit Authorization Form

Authorize electronic payroll or payment deposits to a US bank account with this Direct Deposit Authorization Form. Covers bank routing and account information, deposit type, NACHA authorization language, and employee or payee consent.

401(k) Hardship Withdrawal Request

Facing an unexpected medical bill, eviction, foreclosure, or tuition payment you can't cover? A 401(k) hardship withdrawal lets you access your retirement savings in an emergency — but the IRS has strict rules. Under IRC §401(k)(2)(B)(i)(IV) and the IRS safe harbor categories, only specific financial hardships qualify. This form documents your hardship category, the amount needed, tax withholding elections, a self-certification that no other resources are available, and any SECURE 2.0 disaster relief provisions. Fill in the details and download a complete, plan-administrator-ready request in PDF or Word.

Profit and Loss Statement

Create a professional Profit and Loss Statement with our free online generator. Document your business income, expenses, and net profit or loss for a specific reporting period. Organize revenue streams, cost of goods sold, operating expenses, and other income or deductions in a clear financial format. Essential for tax preparation, loan applications, investor presentations, and business performance analysis. Preview in real time and download as PDF or Word. Electronic signature support included. Suitable for sole proprietors, partnerships, LLCs, and corporations across all 50 US states.

Receipts & Donations

Act of Donation

Create a professional Act of Donation with our free online generator. This legally binding document formalizes the voluntary transfer of property or assets from a donor to a recipient without monetary compensation. It records the donor and recipient identities, a detailed description of the donated property, estimated value, and any conditions attached to the gift. Commonly used for real estate donations, vehicle transfers, and charitable contributions. Fill out the interactive form with guided fields, preview your document in real time, and download as PDF or Word. Includes electronic signature support under the ESIGN Act. No registration required. Valid in all 50 US states.

Donation Receipt

Create a professional Donation Receipt with our free online generator. This essential financial document provides official acknowledgment of a charitable contribution for tax deduction purposes. Records the donor's information, the receiving organization's details and tax-exempt status (501(c)(3)), donation date, amount or fair market value of non-cash donations, description of donated items, and a statement confirming whether goods or services were provided in exchange. Required by the IRS for tax-deductible donations exceeding $250. Essential for nonprofits, charities, religious organizations, and educational institutions. Customize with guided form fields, preview in real time, and download as PDF or Word. Includes electronic signature support. No registration required. Valid in all US states.

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