UNITED STATES

Document a loan to a borrower with these customizable Loan Transaction Forms for US lenders.

Q. Why do I need to do paperwork for a loan to a family member or a friend?

A. No matter who you're lending money to, you need to document the loan and charge simple interest on the principal amount. If you don't document the loan, you may end up paying gift taxes on the proceeds. And if you don't set an interest rate, the tax department will do it for you and they will charge income tax on interest income you never received.

Q. What interest rate should I charge?

A. Each state has its own legal lending rate, being the highest rate of interest that can be charged on personal loans. They may also have a usury limit, which is a statutory maximum rate of interest. Anything in excess of this rate is deemed to be usury. In states that do not have a usury limit, the federal government may still impose a limit on the interest rate. Late fees or other charges may also be counted as interest.

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Commercial Loan Commitment Letter | USA

USA lenders, prepare a Commercial Loan Commitment Letter with this fully customizable template which sets out the terms of the loan and how it is to be repaid.

  • The commitment letter template includes:
    • monthly payments to be made into escrow for property taxes and hazard insurance,
    • documents and other instruments to be given by the borrower as security,
    • form and amounts of title insurance and hazard insurance required by the lender,
    • payment of closing costs by the borrower,
    • protection, preservation and maintenance of the property used as security,
    • other standard provisions.
  • This is a customizable template that can be used throughout the United States.
$17.99

Loan Participation Sale and Trust Agreement | USA

Under this Agreement, a lead lender (Seller) participates in one or more loans by transferring an undivided participation ownership interest in the loan to another lender (Buyer).

  • The Buyer receives a percentage yield on its interest, plus a pro rata participation in any interest collected.
  • The Seller is entitled to the remainder of the interest plus any default penalties, late charges, etc.
  • The Seller will act as trustee with fiduciary duties to hold the participation ownership and legal title to the loans and receipts, and to make the required remittances.
  • The Seller, as trustee, will retain all loan documents, mortgage notes, and related items.
  • The Seller will continue to service the loans in the same manner as it services loans for its own account.
  • Available as a fully editable MS Word template.
  • Intended to be used only in the United States.
$34.99

Mississippi Assignment of Leases and Rents

Mississippi lenders, prepare a Collateral Assignment of Leases and Rents for execution by a corporate borrower, with this fully editable template.

  • The borrower assigns to the lender all of its interest in the leases and rents payable in respect of property owned by the borrower, to secure repayment of a commercial business loan.
  • The lender also has the right to collect all revenues from the leases, including parking fees, taxes and insurance contributions, and liquidated damages after default.
  • The borrower indemnifies and holds the lender harmless from any liability, loss or damage.
  • The borrower will not amend any lease, or terminate or accept surrender of any lease without the lender's consent.
  • All rentals collected from the premises are to be applied firstly to repayment of the debt.
This Mississippi Collateral Assignment of Leases and Rents form is a fully editable and downloadable MS Word template.
$29.99

Mississippi Certificate of Corporate Borrower

This Mississippi Certificate of Corporate Borrower is part of the paperwork documenting and securing a commercial loan. An officer of the corporation makes certifications regarding:

  • the borrower's corporate status, its legal and valid authority to enter into the agreement,
  • the financial situation of the borrower,
  • the title and status of the property being mortgaged by the borrower as security for the loan,
  • the presence of any hazardous substances on the property,
  • the existence of any legal actions against the borrower or with respect to the property.
To access the Mississippi Certificate of Corporate Borrower, add it to your shopping cart and go through the secure checkout. You can then download the template and use it immediately.
$17.99

Mississippi Commercial Deed of Trust and Security Agreement

Use a commercial property as security for a loan with this Deed of Trust and Security Agreement for Mississippi.

  • Title to the property is transferred to the lender who will act as trustee and hold the title as security for the borrower's repayment of a commercial business loan.
  • If the borrower defaults in making its loan payments, the entire balance immediately becomes due and payable and the lender may foreclose on the property.
  • The borrower is responsible for paying all taxes, assessments, liens and other charges against the property.
  • This is a customizable legal form that is easy to use and can be re-used as often as you like.

If you make business loans in Mississippi, you need a copy of the Commercial Deed of Trust and Security Agreement. Buy and download it for your document library.

$29.99

Mississippi Subordination, Non-Disturbance and Attornment Agreement

Mississippi lenders, prepare a Subordination, Non-Disturbance and Attornment Agreement in connection with a commercial mortgage loan with this template form.
  • The Agreement is between the lender, the borrower, and a tenant who has leased all or part of the mortgaged premises.
  • The tenant agrees to subordinate the lease and its leasehold rights to the lender's lien in connection with the mortgage loan.
  • If the lender forecloses on the property, the lender agrees not to disturb the tenant's use of the leased premises so long as the tenant is not in default under the lease.
  • If the property is foreclosed and sold, the tenant agrees to attorn to the purchaser as the landlord under the lease.
This Mississippi Subordination, Non-Disturbance and Attornment Agreement template is available as a downloadable MS Word form which is fully editable to meet your requirements.
$12.49

Notice of Intention to Sell Property | USA

USA lenders, serve a debtor with this Notice of Intention to Sell Property before the sale, in accordance with applicable laws in your State.

  • The property was pledged as collateral security for a loan from the lender to the debtor.
  • The lender (secured party) prepares and serves the Notice to advise the debtor that the property will be sold either through private sale or at public auction, to cover all or part of the outstanding debt, following default by the debtor in making payment.
  • The form includes a Certificate of Service, to record how the Notice was served on the debtor.
  • This Notice form is available as a MS Word template document which is downloadable and easy to use.
  • The form can be used in States that do not have a statutory form.
$6.29

Notice of Right to Rescission | USA

Overview of Notice Form

This template provides a legally required Notice of Right to Rescission for customers in the United States. It is designed for use in transactions such as loans, leases, purchases, or other agreements that may result in a lien or security interest being placed on the customer’s home.

Legal Requirement

Federal law mandates that customers must receive this notice in relation to transactions affecting their home’s title or security interest. The notice protects the customer’s rights by informing them of their ability to cancel the agreement.

Right to Cancel

Customers have the right to rescind (cancel) the contract within three business days from the date of the transaction. The notice clearly outlines this right and provides instructions for the cancellation procedure.

Usage Instructions

This template is a reusable legal form. After purchasing and downloading the document, you may use it as many times as needed for applicable transactions.

Jurisdiction

This document is intended for use within the United States.

$6.50

Pledge of Shares of Stock | USA

Purpose of Document

When securing a loan with shares of stock, the borrower is required to sign a pledge of the shares. This form establishes that the lender will hold the shares as collateral to guarantee repayment of a promissory note.

Lender's Rights and Restrictions

The lender is granted the authority to instruct the issuing company to transfer the ownership of the pledged shares into the lender’s name on the company’s records. However, the lender is not permitted to sell, encumber, or collect dividends on the shares while they are held as security.

Borrower's Rights

The borrower retains the right to vote the shares, provided that he or she is not in default under the terms of the promissory note.

Release of Shares

Once the loan is fully repaid, the shares will be transferred back to the borrower.

Availability of Form

The Pledge of Shares form will download immediately following purchase. This document can be used throughout the United States.

$12.49

Promissory Note Secured by Real Estate | USA

USA lenders, use this easy template form to prepare a Promissory Note Secured by Real Estate.

  • The Note allows the borrower to pay the principal and interest in monthly payments until paid.
  • The total loan amount can be prepaid at any time without penalty.
  • The Note is secured by a Deed of Trust on real estate property owned by the borrower.
  • The form is fully editable and is easy to download, fill in and print.
  • Available in MS Word format.
  • Intended to be used only in the United States.
$2.29