Loan agreement

Individual borrower; secured on financial assets
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Document overview

This agreement records a loan to a borrower who is an individual. The loan is secured against financial, intangible assets, such as shares. There is also an optional provision for a third party guarantee if required and options for alternative repayment provisions and lender actions if the borrower defaults.
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  • England & Wales
  • Scotland
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  • Length:11 pages (3590 words)
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About this document

This agreement is suitable where the borrower is an individual. The lender could be another individual, or a company.

The lender takes security against intangible assets such as company shares, debts, or intellectual property. We also include an optional provision for a third party guarantee, since a guarantor often provides additional incentive not to default.

The purpose of the loan is not important. It could be used to consolidate existing debt, to expand a business or for short term financing.

Examples of use are:

  • where a company loans money to a director-shareholder against his or her shares

  • for a personal loan between friends, where the borrower pledges a share portfolio as security

Either or both parties may be in the UK or abroad, and the agreement can be used for loans of any size.

Similar documents

If the borrower is a company, then this contract is more suitable. It contains additional provisions such as to ensure that the shareholders do not restructure the share capital company so as to make worthless the secured shareholding.

You can also read more about securing a loan appropriately.


  • Structure of the loan

  • Alternative draw down arrangements

  • Provisions of information to lender to allow valuation

  • Repayment and interest payment arrangements

  • Method of payment

  • Provision for default situations

  • Borrower's warranties

  • A round up of legal matters

Drawn outside the Consumer Credit Act 1974, this agreement is not suitable for companies in the business of lending or providing credit to consumers.

Sample loan agreementSample page from the loan agreement secured on financial assets

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Recent reviews

Clear Formats
18 December 2019
Clear formats easily modified with some good instructions. Transaction quick and easy.
Dorian Crighton
Review of the New Zealand version
Alleviated Concerns
11 September 2017
1. There is always a concern when you are dealing with an entity based outside your country. First, you wonder how authentic it is and payment security.
2. The manner you have structured yourselves and marketing strategy is really uniform, seamless and user friendly.
3. The Borrower's warranties and security clauses as applied to an individual Borrower.
4. The realisation that the thrust in an agreement is based on simplicity, understanding and to capture what you agree upon. My view is that it may be necessary to include dispute resolution, if not, why.
5. Most definitely. It is easy to follow your agreement and at the same learn from it.
Noko daniel Mabuela
Review of the South African version
Very Flexible
11 July 2016
The document is very flexible in terms of content & its application to a very broad range of possible loan agreements. The use of 'plain English' was very welcomed.
I would definitely use it again.
Stephen M
Stephen Mattani
Review of the Australian version
Read all 4 reviews

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