Loan Transaction Forms

Before you lend money, secure the loan and make sure you get repaid with these loan agreements and supporting documents.

  • Download the templates, fill them in and have them signed before you advance the loan funds.
  • Some forms are country-specific and comply with applicable national, state and provincial legislation. Other forms are generic and can be used in most jurisdictions.
  • If you're lending money to a small business, it is also advisable to obtain Personal Guarantees from the business owners.
  • Also check out our selection of Promissory Notes.

Tips for Getting a Loan Repaid

  1. Don't let personal feelings sway your better judgment. Quite often people who cannot get a loan from a financial institution will turn to family members or close friends to help them out. And you will probably feel a personal obligation to do just that. If you insist they sign a loan agreement or a promissory note, the borrower may resist, insinuating that you don't trust them to repay the money. Do not get drawn into a guilt trip. There's a reason why a bank won't lend them the money, and for that same reason you shouldn't lend them the money either unless they are willing to put everything in writing.

  2. Set the interest rate at a reasonable level. Check with your bank to see what its prime lending rate is, and add another percentage point. That's as good a rate as the borrower could expect to get on a line of credit.

  3. Set attainable payment levels. Make sure the regular payments are high enough to pay off the debt within a reasonable time period, but not so high as to be difficult for the borrower to maintain.

  4. Have the borrower provide enough collateral security to back the loan. Get the borrower to sign over assets which can  be sold if the borrower defaults in repaying the loan. Collateral could include real estate and rents from investment properties, motor vehicles, heavy equipment, valuable collections such as coins or jewelry, stocks, bonds, GICs and other investments.
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      CANADA

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      UNITED KINGDOM

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      UNITED STATES

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      Picture of Notice of Transfer of Collateral by Debtor | Canada

      Notice of Transfer of Collateral by Debtor | Canada

      Prepare a Notice of Transfer of Collateral by Debtor with this template form for Canadian loan transactions.

      • This form of notice is given by a debtor (borrower) to a secured party (lender), that the debtor has transferred or intends to transfer certain collateral over which the lender holds a security interest.
      • This Notice form is available in MS Word format.
      • Intended for use only in Canada, pursuant to Personal Property Security Act legislation.
      $2.29
      Picture of Notice to Account Debtor of Default by Principal Debtor | Canada

      Notice to Account Debtor of Default by Principal Debtor | Canada

      Prepare a Notice to Account Debtor of Default of Principal Debtor with this template form for Canadian lenders.

      • The notice is given by a lender to an account debtor (a party who owes money to a borrower) that the borrower has defaulted in paying its indebtedness to the lender.
      • The notice instructs the account debtor to repay the money it owes the borrower to the lender instead.
      • This Notice form is available in MS Word format.
      • Intended for use only in Canada.
      $2.29
      Picture of Nova Scotia Chattel Mortgage

      Nova Scotia Chattel Mortgage

      Prepare a Chattel Mortgage for a loan transaction in Nova Scotia with this downloadable template.

      • The Chattel Mortgage is being granted by a borrower to a lender as security for a loan.
      • The borrower will retain possession of the chattels and will pay all expenses related thereto, including taxes, repair costs, license fees, etc.
      • The promissory note is included with the mortgage form.
      • Available in MS Word format.
      • Intended to be used only in the Province of Nova Scotia, Canada.
      $12.49
      Picture of Nova Scotia Collateral Mortgage and Promissory Note

      Nova Scotia Collateral Mortgage and Promissory Note

      Prepare a Collateral Mortgage and Promissory Note for Nova Scotia with this downloadable template.

      • The borrower (mortgagor) will continue to hold the land and is responsible for paying all taxes, rates and assessments levied against the land.
      • The borrower is responsible for insuring the buildings on the land for full insurable value.
      • If the borrower defaults, the lender has the right to appoint a receiver of the property.
      • Available in MS Word format.
      • Intended to be used only in the Province of Nova Scotia, Canada.
      $17.99
      Picture of Ontario Assignment of Debt and Security

      Ontario Assignment of Debt and Security

      Assign your interest in a debt and its underlying security with this Assignment of Debt and Security form for the Province of Ontario.

      • The assignor (creditor) holds a security interest over the property and assets of a debtor as security for a loan.
      • The assignor assigns and transfers the security interest to another party who is purchasing all of the assignor's interest in the debt and the security.
      • This type of assignment is often part of a sale of a business that extends credit to its customers.
      • The form is available as a downloadable and fully editable MS Word document.
      • Intended to be used only in the Province of Ontario, Canada.
      $8.99
      Ontario General Assignment of Rents

      Ontario General Assignment of Rents

      This General Assignment of Rents template is for lenders in Ontario to obtain additional security for the repayment of a borrower's debt.

      • Under the Assignment a corporate borrower (debtor) assigns to the lender all rents, income and revenue from a mortgaged property, as security for a loan or line of credit being advanced to the borrower by the lender.
      • The borrower agrees not to accept prepayment of the rents or to further assign or encumber the rents or the leases.
      • The borrower may continue to receive the rents unless it is in default under the Assignment. In that event, the rents must be paid to the lender.
      • The lender has the right to enter the property and collect the rent, enforce the lease or maintain the property.
      • Available in MS Word format.
      • Intended for use only in the Province of Ontario, Canada.
      $17.99
      Ontario General Security Agreement

      Ontario General Security Agreement

      Ontario lenders, prepare a General Security Agreement with this comprehensive template form.

      • The borrower grants the lender a security interest in all of the borrower's present and future personal property including inventory, equipment, accounts and book debts, and all proceeds therefrom.
      • The interest is being granted to the lender as security for loan financing, operating lines, or other credit facilities advanced by the lender to the borrower.
      • The Security Agreement is governed by the Ontario Personal Property Security Act.
      • This document is available as a fully editable MS Word template form.
      $29.99
      Picture of Ontario Loan Agreement for Non-Revolving Bridge Financing

      Ontario Loan Agreement for Non-Revolving Bridge Financing

      Prepare a Loan Agreement for a non-revolving loan for bridge financing with this downloadable template for Ontario.

      • This type of loan agreement is typically used for construction projects.
      • Advances will be made as and when needed, up to a maximum amount.
      • Interest will be calculated daily based on the principal balance outstanding, not compounded.
      • Principal may be repaid at any time with no prepayment penalty.
      • All outstanding principal and interest becomes due upon completion of the project.
      • This legal contract template is available as a downloadable and fully editable MS Word template.
      • Intended for use only in the Province of Ontario, Canada.
      $12.49
      Picture of Ontario Loan Agreement for Non-Revolving Term Loan with Royalty Payments

      Ontario Loan Agreement for Non-Revolving Term Loan with Royalty Payments

      Use this ready-made template to draw up a Loan Agreement for a non-revolving term loan with royalty payments.

      • This is an Ontario legal document.
      • The loan is a non-revolving term loan, to be advanced in a single payment.
      • The loan bears no interest until default. Instead of interest, the borrower will pay a percentage of its net revenues to the lender as a royalty (exclusive of loan advances).
      • All payments are applied to interest first.
      $6.29
      Picture of Ontario Purchase Money Security Agreement

      Ontario Purchase Money Security Agreement

      Protect your creditor rights with this Purchase Money Security Agreement for Ontario suppliers.

      • The contract is made pursuant to provincial Personal Property Security Act legislation.
      • The parties to the Agreement are a customer (debtor) and a supplier (secured party).
      • The supplier extends credit to the debtor for the purchase of goods under a specific purchase order.
      • In return for the credit, the debtor grants the supplier a first, fixed, specific purchase money security interest in the goods and in the proceeds therefrom.
      • This legal contract form is a fully editable Microsoft Word template.
      • Intended for use only in the Province of Ontario, Canada.
      $17.99
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