Choose from nine templates for different lending requirements
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Product ID: UK-LDGloa12

Unsecured loan agreement: person to person; private or business

This is a simple loan agreement where the lender does not require security, perhaps because the borrower is certain to repay or perhaps because risk is priced into a higher interest rate.

Either or both parties could be a person or a company, making this agreement suitable for lending:

  • person to person - for example, to family members and friends
  • by a director or shareholder to or from his own company
  • by a partner into a partnership

The money could be for any purpose such as to consolidate other debts, or for small, short-term expenses.

The document includes options for:

  • alternative repayment provisions
  • lender action in case of default
Suitable for use in: England & Wales and Scotland
£18.00 inc VAT (£15.00 ex VAT)
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Product ID: UK-LDGloa20

Friends and family loan agreement

This agreement aims to bridge the gap between not using a document at all, and using a longer, more comprehensive one.

It makes clear to the borrower that the arrangement is "for real".

Despite its simplicity, the document is legally binding. You can take action if the borrower doesn't pay on time, or uses the money for a reason not agreed.

It is suitable for situations such as lending:

  • to a friend to buy a car or other high priced item
  • to a child for a house deposit
  • to a child to fund a wedding
Suitable for use in: England & Wales and Scotland
£9.60 inc VAT (£8.00 ex VAT)
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Product ID: UK-LDGloa14

Loan agreement: private borrower; secured on physical assets

For a loan secured against tangible assets of any size and type, such as a car, stock, equipment or fixed plant.

Suitable for lending by an individual or a company to a borrower who is a individual or a partnership, for purposes such as:

  • to a nephew to purchase stock for a new business
  • to a friend who needs to consolidate personal or business debts
  • to a son or daughter to fund the purchase of a high value item

The document includes optional provisions for:

  • assets to be left in the possession of the borrower
  • sale of the assets if the borrower defaults
  • an additional guarantee by a third party
Suitable for use in: England & Wales and Scotland
£22.80 inc VAT (£19.00 ex VAT)
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Product ID: UK-LDGloa18

Loan agreement: person to person; secured by guarantee

This agreement brings in a third party guarantor as security for the loan.

The borrower and the lender should both be individuals.

Use for loans to family and friends as well as for arms length business deals. Examples are:

  • to start or to finance a business
  • to repay or to consolidate personal or business debts
  • to purchase of a high value item

The document includes optional provisions for:

  • alternative options for repayment
  • actions the lender can take in case of non-repayment or default
Suitable for use in: England & Wales and Scotland
£22.80 inc VAT (£19.00 ex VAT)
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Product ID: UK-LDGloa13

Loan agreement: individual borrower; secured on financial assets

For a loan secured against assets such as company shares, the right to receive another debt, or intellectual property rights.

Suitable for lending by an individual or a company to an individual or a partnership, for purposes such as:

  • a personal loan to a family member or a friend
  • company loan to a director or an employee
  • a partner lending to his partnership

The document includes optional provisions for:

  • an additional guarantee by a third party
  • alternative repayment
  • lender action in case of default
Suitable for use in: England & Wales and Scotland
£22.80 inc VAT (£19.00 ex VAT)
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Product ID: UK-LDGloa21

Loan agreement: person to person; property purchase

This agreement covers the specific situation of a loan of money to family or friends for the purpose of helping to buy a house or flat, or for a renovation project.

Even when you trust the person to whom you lend, you should record the agreement in writing.

By using this document, you should avoid confusion about whether the money was a gift or a loan, when the money should be repaid and at what rate of interest. This is particularly important for lending to more than one person where there is a risk the relationship between the borrowers may not last, such as a son or a daughter and his or her partner, or where the property will be jointly owned with someone other than the borrower.

Options in the template include:

  • additional guarantee by a third party
  • alternative repayment provisions
  • choice of actions that can be taken in case of default
Suitable for use in: England & Wales and Scotland
£22.80 inc VAT (£19.00 ex VAT)
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Product ID: UK-LDGloa15

Loan agreement: company; secured by guarantee

This is an agreement between a lender, who may be an individual or a corporate body, and a borrower, who is a company or a trust. Security is provided by a personal guarantee of a third party, probably one or more directors.

Example uses include lending:

  • by a family member to her nephew’s business
  • by a business angel who has also taken shares
  • an arm’s length “investment”

We include strong optional provisions to protect the lender:

  • alternative repayment provisions
  • lender action if borrower defaults
  • promise by borrower to make no change to capital structure
  • provision for early repayment
  • contingency plans if something goes wrong
  • an option on possible assignment of the rights and obligations set up under the agreement
  • warranties by the borrower as to aspects of its financial state
  • signatory accepts personal liability for his proper authorisation
Suitable for use in: England & Wales and Scotland
£28.80 inc VAT (£24.00 ex VAT)
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Product ID: UK-LDGloa17

Loan agreement: company borrower; secured on physical assets; guarantor option

This agreement is between a lender, who may be an individual or a corporate body, and a borrower, who is a company. The loan is secured on specific physical assets. This is not a fixed and floating charge.

Security could be any physical assets, lodged or described, with options for:

  • Security by either taking physical possession, or by leaving the assets where they are and describing them sufficiently in the document.
  • Occasional use of the assets by the borrower.
  • Sale of the secured assets by the lender in case of default.

Other optional provisions include:

  • warranties by the debtor as to the financial state of the company
  • the signatory accepts personal liability for his proper authorisation
  • an additional personal guarantee and guarantor’s covenants
  • a promise by the borrower not to change the capital structure
  • early repayment
  • contingency plans if something goes wrong
  • assignment of the rights and obligations set up under the agreement
Suitable for use in: England & Wales and Scotland
£34.80 inc VAT (£29.00 ex VAT)
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Product ID: UK-LDGloa16

Loan agreement: company; secured on financial instruments

An agreement between a lender, who may be an individual or a corporate body, and a borrower, who is a company. The loan may be secured on shares, intellectual property rights or other intangible property. Securities may be in hard or soft copy, or both.

This agreement strongly protects the lender:

  • If the value of the security falls below a specified level, the lender can call on the borrower to top it up.
  • In case of possible default, for any reason and at any time the lender may call upon the borrower to transfer title to him of any or all of the securities. If there is no accepted system of registration of ownership, that is the only way the lender would be protected if the borrower went down.

Optional provisions include:

  • warranties by the borrower as to the financial state of the company
  • the signatory accepts personal liability for his proper authorisation
  • an additional personal guarantee and guarantor’s covenants
  • a promise by the borrower to make no change to capital structure
  • early repayment
  • contingency plans if something goes wrong
  • assignment of the rights and obligations set up under the agreement
Suitable for use in: England & Wales and Scotland
£34.80 inc VAT (£29.00 ex VAT)
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