Question 1

What does a custom Loan Agreement include?

Accepted Answer

Your custom Loan Agreement will include:

• Loan amount, purpose, and drawdown provisions
• Interest rates, fees, and calculation methods
• Repayment schedule and payment terms
• Security interests and guarantees
• Representations and warranties from both parties
• Events of default and enforcement remedies
• Early repayment and prepayment provisions
• Governing law and dispute resolution

Each section is tailored specifically to your lending arrangement, loan type, and security requirements.

Question 2

How long does it take to receive my agreement?

Accepted Answer

Standard delivery is 3 business days from when we receive your completed questionnaire. Express delivery (1 business day) is available for an additional fee.

The timeline:
• Complete checkout and provide initial details
• Receive our detailed questionnaire (sent immediately after purchase)
• Complete the questionnaire with loan terms and requirements
• Our Australian solicitors draft your agreement
• Receive your custom Loan Agreement within 3 business days

Question 3

Who drafts my Loan Agreement?

Accepted Answer

Your Loan Agreement is drafted by licensed Australian solicitors with specific experience in banking and finance law. Our legal team specializes in lending agreements, security documentation, and credit law compliance.

All our solicitors are:
• Licensed to practice in Australia
• Experienced in commercial lending and finance transactions
• Knowledgeable about credit legislation and responsible lending requirements
• Skilled at balancing lender protection with borrower flexibility

Question 4

How do you gather information about my loan requirements?

Accepted Answer

After checkout, we send you a comprehensive AI-powered questionnaire that asks about:

• Loan amount, purpose, and term
• Interest rate structure and calculation method
• Repayment schedule and frequency
• Security or collateral arrangements
• Guarantees or additional security
• Default provisions and cure periods
• Early repayment terms
• Any specific terms or conditions

The questionnaire is designed to be quick and easy to complete, typically taking 10-15 minutes.

Question 5

Are revisions included?

Accepted Answer

Yes. Your purchase includes one round of amendments at no additional cost. After reviewing your initial draft, you can request changes to terms, adjust repayment schedules, modify security provisions, or clarify language.

For more extensive revisions or negotiations, you can add a solicitor consultation for personalized guidance.

Question 6

Can I speak with a solicitor about my agreement?

Accepted Answer

Yes. While not included in the base price, you can add a 30-minute solicitor consultation to discuss your agreement, ask questions about specific terms, or get advice on implementation.

The consultation can help with:
• Understanding complex loan terms
• Discussing security arrangements
• Negotiating terms with the other party
• Addressing specific concerns or scenarios

Question 7

How is this different from a template?

Accepted Answer

Our custom Loan Agreements are fundamentally different from templates:

• Drafted specifically for your loan amount, purpose, and terms
• Tailored to your security arrangements and risk profile
• Customized interest calculations and repayment structure
• Appropriate default provisions for your lending scenario
• Written in plain English while maintaining legal precision
• Reviewed by an experienced solicitor before delivery

Templates require you to fill in blanks and may not address your specific lending requirements or security arrangements.

Question 8

What types of loans can this agreement cover?

Accepted Answer

Our custom Loan Agreements can be structured for various lending arrangements:

• Term loans with fixed repayment schedules
• Revolving credit facilities
• Bridging finance or short-term loans
• Convertible loans or notes
• Director loans or shareholder loans
• Personal loans with security
• Business loans with guarantees
• Asset-backed lending arrangements

We can accommodate different interest structures (fixed, variable, or interest-only), various security types, and flexible repayment terms.

Question 9

Does the agreement comply with Australian credit laws?

Accepted Answer

Yes. Your Loan Agreement is drafted to comply with relevant Australian legislation including:

• National Consumer Credit Protection Act (if applicable)
• Corporations Act requirements
• Personal Properties Securities Act (PPSA) for security interests
• Responsible lending obligations
• Interest rate and fee disclosure requirements

Our solicitors ensure your agreement meets current legal requirements and best practices for Australian lending arrangements.

Question 10

What if I need to amend the agreement in the future?

Accepted Answer

Your Loan Agreement will include clear amendment provisions that specify how changes can be made (typically requiring written consent from all parties).

For future amendments, you can:
• Draft a simple amendment letter for minor changes
• Contact us for help drafting formal amendments
• Add a solicitor consultation if you need guidance on significant changes

We recommend documenting all amendments in writing and having them signed by all parties to avoid disputes.

Question 11

Does the agreement include security documentation?

Accepted Answer

Your Loan Agreement includes security provisions and can reference:

• General security agreements (GSA)
• Specific asset security interests
• Personal guarantees from directors or third parties
• Mortgages over real property
• Floating charges over business assets

While the loan agreement sets out the security arrangements, separate security documents may be required depending on your security structure. We can advise on additional documentation needed.

Question 12

What happens after I receive my agreement?

Accepted Answer

After delivery:

1. Review the agreement thoroughly with all parties
2. Request any amendments if needed (one round included)
3. Ensure all parties understand their obligations
4. Have all parties sign the agreement (we recommend using DocuSign or wet signatures)
5. Register any security interests with the PPSA if applicable
6. Provide copies to all parties and keep the original secure

We provide guidance on execution and implementation as part of your service.

Custom Loan
Agreement

How it works

Form & Checkout

We Draft

Review & Finalize

Why This Loan Agreement Works

Loan‑Specific

Security Clarity

Payment Ready

Default Protection

Fewer Disputes

Amendments & Support

Join 6000+ Businesses Who Trust Us

Meet Your Expert Team

Tamara

Alicia

Johanna

Ayesha

Geraint

Kyle

Drew

Chris

Antonella

FAQs

Custom LoanAgreement