Financial

Your corporate customers can apply for a credit account with your company by filling out these Credit Application forms.

The package includes:

1. Credit Application Form for Business;
2. Credit Check form, for obtaining information from the trade and banking references supplied by the customer;
3. template letter of refusal, to notify the customer if the application for credit has been denied due to the results of the credit check.

This Credit Application Forms Package for Corporate Customers is a downloadable MS Word file which can be filled in by hand or computer.

Extend credit to individuals with this Credit Application Package for personal accounts.

• The package includes:
  • Credit Application for Individual, to be completed by the customer;
  • Credit Check, to gather information from employment and banking references supplied by the customer;
  • Letter of Refusal, to notify the customer if the application for credit has been denied due to the results of the credit check.
• The Credit Application forms package for personal accounts is easy to download and use. You can customize it to reflect your unique business image.

Have you started succession planning for your business? Ensure continuity of ownership and management with this Criss-Cross Shareholder Buy-Sell Agreement for Canada.

• The Buy-Sell Agreement provides for the purchase of one shareholder's interest by the other shareholder upon the death of the first shareholder.
• The purchase is made by a method called the 'criss cross' method. That means that each shareholder holds a life insurance policy on the other shareholder, and the deceased shareholder's shares are purchased using the proceeds of the life insurance.
• This is a fully editable legal form in MS Word format which can be customized to fit your circumstances.
• Governed by Canadian tax laws and ntended to be used only in Canada.

Ensure the continuity of ownership and management of your company, even if one of the owners dies, with this Shareholder Buy-Sell Agreement for Canadian businesses.

• The shareholders have appointed a trustee for the purpose of holding life insurance policies on each shareholder in trust to the benefit of the other shareholders.
• If a shareholder dies, the trustee, on behalf of the surviving shareholders, will purchase the deceased's shares in the company using the proceeds of the life insurance.
• This is a fully editable legal form in MS Word format which can be customized to fit your circumstances.
• Governed by Canadian tax laws and ntended to be used only in Canada.

Cutting Through Life Insurance Chaos in Canada is a 14-page information package for Canadians.

This package is provided to help you understand:

• the jargon of life insurance,
• the benefits of having good life insurance coverage,
• how to determine whether you need it and how much you need,
• types of personal and business life insurance available,
• term life, whole life, and universal life insurance,
• disability, buy-sell and key man policies.

Get your free copy of Cutting Through Life Insurance Chaos in Canada and find out how to make life insurance part of your financial planning.

Set up pre-authorized payments by direct debit from a customer's bank account with this Authorization Form, for Canadian merchants and financial institutions.

• The payments will be processed in accordance with the Rules of the Canadian Payments Association.
• This form can be used for regular payments on a mortgage or loan, insurance premiums, investments, pension plan contributions, or payments on a customer's account.
• The authorization can be revoked at any time, but the revocation does not alter the customer's obligations to make payments.
• Includes instructions for the procedure by which the customer can dispute a payment that has been improperly withdrawn.

Payments by pre-authorized debit are easier for both the customer and the creditor. Download the Authorization Form template for your customers.

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

• 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.
• This Contract for Deed form is available in MS Word format and is fully editable to fit your exact circumstances.
• Intended to be used only in the State of Delaware.

Place a mortgage on a residential property with this Delaware Fixed Rate Mortgage form.

• The mortgage form contains both uniform (multistate) covenants and non-uniform covenants for acceleration, future advances, and satisfaction / release in accordance with Delaware law.
• The mortgage is given as additional security for a loan under a promissory note signed by the borrower, plus any additional prepayment or late payment charges, plus interest.
• This mortgage form is a downloadable and fully editable template in MS Word format.
  
• Intended to be used only in the State of Delaware.

Issue a Demand Debenture to a shareholder or investor as security for a loan with this template form.

• Interest on the principal amount secured by the Debenture will be compounded semi-annually and paid monthly.
• The Debentures are issuable as fully registered Debentures under the terms of a Trust Indenture.
• The Debenture does not become obligatory until it is certified by the trustee.
• This Demand Debenture template is available as a downloadable MS Word file which can be easily customized to fit your needs.

Issue debentures to investors and lenders with this Canada Demand Debenture Certificate with RRSP and RRIF Eligibility.

• The debenture certificate is for public companies only.
• The debenture has a 21-year term.
• This is a qualified investment for RRSP and RRIF funds under the Income Tax Act.
• Available in MS Word format.
• Governed by Canadian tax laws and intended for use only in Canada.