Financial

Sign up a client for your accounting services with this easy-to-use Retainer Agreement template.

• The Retainer Agreement contains standard terms such as:
  • The services to be provided by the accountant.
  • The accountant's billing rate and terms of payment.
  • Independent contractor provision which clarifies that the accountant is not an employee of the client.
  • Prevailing party clause to cover recovery of legal fees in the event of legal action by either party.
• The accountant is responsible for paying his/her own taxes.
• This is a generic contract template which can be used practically anywhere.
• Available in MS Word format and fully customizable.

Worried about saving enough for your retirement? Learn how to identify and take advantage of the best ways to save for your retirement with this guide for Canadians.

Topics include:

• dynamics of financial planning,
• determining personal goals,
• sources of retirement income,
• tax consequences,
• preparation and implementation of a specific plan of action,
• alternative strategies in the event of a shortfall.

Retirement Planning Strategies for Canadians is provided by Chimo Financial Services. This guide is intended for Canadian citizens, whether they live in or outside of Canada.

Provide revolving credit facilities to a corporate borrower under the terms of this Revolving Loan Agreement.

• This is a digital template for lenders in the United States.
• The Loan Agreement allows the borrower to borrow and reborrow funds up to a specified maximum amount.
• The borrower grants the lender a security interest in all of the borrower's assets and proceeds.
• Interest is computed daily and is payable monthly on the last day of the month.
• The loan may be paid out in whole or in part at any time without penalty.
• Available as a downloadable and fully editable MS Word document.

Create a promissory note for repayment of a revolving loan with this customizable template for credit facilities.

• The Note is secured by a Security Agreement.
• The entire loan amount plus interest becomes payable if an event of default occurs.
• The prevailing party in a legal action is entitled to costs, including reasonable attorneys' fees.
• The Note can be used throughout the United States.
• Available in MS Word format, reusable and fully editable.

If you are selling a real estate property in Rhode Island, you can assist the buyer by carrying part or all of the purchase price with this Contract for Deed.

• A contract for deed (or purchase money mortgage) allows a buyer to pay over time, with the seller carrying the balance until the last payment is made. Under the terms of this Contract, the seller effectively becomes the mortgage lender for the balance of the purchase money.
• Title will transfer to the buyer once payment in full of all principal and interest has been received by the seller.
• The seller has the right to take back the property if the buyer defaults in payment.
• At the seller's option, the balance can be repaid by monthly payments with or without interest until paid, or monthly payments with interest for a fixed number of payments with a balloon payment at the end to pay out the balance.
• Available in MS Word format.
• Intended to be used only in the State of Rhode Island.

Take out a mortgage on a residential property with this Rhode Island fixed rate mortgage form.

• The mortgage form contains both uniform (multistate) covenants under federal mortgage regulations and non-uniform covenants pursuant to Rhode Island law, including discharge of the mortgage upon payment in full, and waiver of homestead exemption, so that the borrower cannot protect the property against possession and sale by the lender if the borrower defaults.
• The mortgage also contains representations with respect to automatic orders in domestic relations cases under Rhode Island General Laws Chapter 15-5.
• This is a standard type of mortgage for single family dwellings.
• Available in MS Word format.
• Intended to be used only in the State of Rhode Island.

This Form 45-106F4 Risk Acknowledgment Form must be completed by individual investors in exempt private placements.

• The form must be completed by individual investors in private placement offerings that rely on the Offering Memorandum Exemption from prospectus requirements under portions of section 2.9 of National Instrument 4-106.
• It includes two additional schedules which must be completed by each investor that is an individual resident in either Alberta, New Brunswick, Nova Scotia, Ontario, Québec or Saskatchewan.
• The document contains information and instructions to help investors complete the form.
• Available in MS Word format.
• This is a free form provided by the British Columbia Securities Commission.

Draw up a Sale of Goods Agreement between a buyer and a seller with this digital template for the United Kingdom.

• The agreement acts as a bill of sale between the parties.
• The seller warrants to the purchaser that he/she has good title to the goods being sold, and that they are free of liens or encumbrances.
• The template includes an indemnity clause under which the seller indemnifies the buyer against adverse claims.
• Buy the form once, and you can customise it and use it as often as you like.
• This AGreement is governed by English laws and can be used throughout the United Kingdom.
• Available in MS Word format.

If you are lending a large sum of money to a borrower, secure repayment of that loan with this Saskatchewan Mortgage which can be registered against the borrower's property.

• The borrower will repay the loan in regular instalment payments of blended principal and interest.
• The borrower must keep the property insured.
• The borrower releases all of its claim to the land to the lender until the mortgage has been repaid in full, however, the borrower may continue to remain in possession of the land so long as not in default under the terms of the mortgage.
• Interest is calculated half-yearly and is not payable in advance (meaning that it must be earned before it is payable).
• The borrower has the privilege of renewing the mortgage on any instalment payment date during the original term.
• The mortgage contains the required affidavits and consents under the Saskatchewan Homesteads Act, 1989.

Holding a mortgage is a good way to ensure that a debt is repaid. Add the Saskatchewan Mortgage to your shopping cart, check out, and download the form.

Prepare a Section 85 Rollover Agreement for a share exchange between a corporation and a shareholder with this template form, pursuant to s. 85 of the Income Tax Act (Canada).

• The shareholder sells common shares it holds in the capital stock of the corporation back to the corporation in exchange for new preferred shares, to be issued from Treasury.
• The parties agree to file a joint election for fair market value of the old common shares.
• The purchase price is adjusted to ensure that the redemption amount for the new shares does not exceed any reassessment of the fair market value of the old shares, or vice versa.
• This document package contains:
  • a template Share Purchase Agreement, and
  • a set of corporate resolutions of the directors and shareholders approving and authorizing the rollover.
• The rollover forms package is provided in MS Word format and is fully editable to fit your specific circumstances.
• This legal document is compliant with Canadian tax laws and is intended for use only in Canada.