The Loan Agreement And Promissory Note is a vital financial instrument used in Australian business and personal lending transactions. This document serves two primary purposes: it establishes the comprehensive terms of the loan arrangement while incorporating a legally binding promise to pay in the form of a promissory note. Suitable for both commercial and private lending scenarios, it complies with Australian financial services regulations, including the National Consumer Credit Protection Act 2009 and the Bills of Exchange Act 1909. The document is particularly useful when parties require a formal lending structure with enhanced enforceability through the promissory note component, which can be used as a negotiable instrument under Australian law. It includes essential elements such as loan terms, interest calculations, repayment schedules, default provisions, and any security arrangements, making it suitable for various lending scenarios from simple personal loans to complex commercial financing arrangements.
Your data doesn't train Genie's AI
You keep IP ownership of your information
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
OR
Let Genie AI's market-leading legal AI identify missing terms, unusual language, compliance issues and more - in just seconds.
Upload your Doc
1. Parties: Identification of the Lender and Borrower with full legal names and addresses
2. Background: Context of the loan arrangement and relationship between parties
3. Definitions: Defined terms used throughout the agreement and promissory note
4. Loan Amount and Purpose: Specification of the principal amount and intended use of funds
5. Interest Rate and Calculations: Interest rate, calculation method, and payment frequency
6. Repayment Terms: Payment schedule, method of payment, and prepayment provisions
7. Promissory Note Terms: Specific terms relating to the promissory note including negotiability
8. Representations and Warranties: Statements of fact and assurances from the Borrower
9. Events of Default: Circumstances constituting default and consequences
10. Remedies: Lender's rights and remedies upon default
11. General Provisions: Standard clauses including notices, amendments, and governing law
1. Security: Details of any collateral or security provided - include when loan is secured
2. Guarantor Provisions: Terms relating to guarantors - include when there are third-party guarantors
3. Multiple Lenders: Provisions for syndicated loans - include when there are multiple lenders
4. Insurance Requirements: Required insurance coverage - include when specific insurance is mandatory
5. Special Conditions: Any unique terms or conditions - include for non-standard arrangements
6. Financial Covenants: Financial maintenance requirements - include for corporate borrowers
7. Assignment and Transfer: Rights to assign the loan - include when transfer rights are important
8. Draw Down Conditions: Conditions for accessing loan funds - include for staged disbursements
1. Repayment Schedule: Detailed amortization table showing payment dates and amounts
2. Promissory Note: The form of promissory note to be executed
3. Security Details: Description of security assets and registration details
4. Fee Schedule: Breakdown of all applicable fees and charges
5. Draw Down Schedule: Timeline and conditions for staged loan disbursements
6. Required Insurance: Specific insurance requirements and minimum coverage
7. Compliance Certificates: Forms for periodic compliance certification
8. Direct Debit Authority: Form for automatic payment arrangements
Relevant legal definitions
Agreement
Applicable Law
ASIC
Authorized Representative
Balance Outstanding
Banking Day
Borrower
Business Day
Claim
Completion Date
Default Interest Rate
Default Event
Drawdown Date
Drawdown Notice
Effective Date
Encumbrance
Event of Default
Facility
Final Repayment Date
Financial Indebtedness
GST
Guarantee
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Notice
Outstanding Amount
Parties
Payment Date
Permitted Purpose
PPSA
Promissory Note
Related Entity
Repayment Schedule
Security
Security Interest
Security Provider
Taxes
Term
Transaction Documents
Applicable Law
ASIC
Authorized Representative
Balance Outstanding
Banking Day
Borrower
Business Day
Claim
Completion Date
Default Interest Rate
Default Event
Drawdown Date
Drawdown Notice
Effective Date
Encumbrance
Event of Default
Facility
Final Repayment Date
Financial Indebtedness
GST
Guarantee
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Notice
Outstanding Amount
Parties
Payment Date
Permitted Purpose
PPSA
Promissory Note
Related Entity
Repayment Schedule
Security
Security Interest
Security Provider
Taxes
Term
Transaction Documents
Clauses
Interpretation
Loan Facility
Purpose
Drawdown
Interest
Repayment
Promissory Note
Security
Representations and Warranties
Undertakings
Events of Default
Acceleration
Set-off
Assignment
Guarantee
Insurance
Force Majeure
Indemnification
Costs and Expenses
Notices
Confidentiality
Privacy
Anti-Money Laundering
Electronic Execution
Amendment
Severability
Governing Law
Jurisdiction
Dispute Resolution
Entire Agreement
Loan Facility
Purpose
Drawdown
Interest
Repayment
Promissory Note
Security
Representations and Warranties
Undertakings
Events of Default
Acceleration
Set-off
Assignment
Guarantee
Insurance
Force Majeure
Indemnification
Costs and Expenses
Notices
Confidentiality
Privacy
Anti-Money Laundering
Electronic Execution
Amendment
Severability
Governing Law
Jurisdiction
Dispute Resolution
Entire Agreement
Relevant Industries
Financial Services
Banking
Real Estate
Small Business
Corporate Finance
Private Lending
Construction
Manufacturing
Agriculture
Retail
Professional Services
Relevant Teams
Legal
Finance
Credit
Risk Management
Compliance
Treasury
Commercial Banking
Corporate Finance
Operations
Collections
Relevant Roles
Credit Manager
Loan Officer
Financial Controller
Chief Financial Officer
Legal Counsel
Compliance Officer
Risk Manager
Treasury Manager
Commercial Banking Manager
Credit Analyst
Finance Director
Business Development Manager
Account Manager
Corporate Lawyer
Debt Recovery Officer
Find the exact document you need
Evergreen Loan Agreement
An Australian law-governed perpetual loan facility agreement establishing an ongoing credit arrangement with automatic renewal provisions.
find out more
Personal Car Loan Contract
An Australian-law governed loan agreement for personal vehicle financing, compliant with national consumer credit legislation.
find out more
Cash Loan Simple Loan Agreement
An Australian-law governed agreement establishing terms and conditions for a monetary loan between a lender and borrower, compliant with national credit protection regulations.
find out more
Generic Loan Agreement
An Australian law-governed agreement establishing the terms and conditions for a loan between parties, including amount, interest, repayment terms, and security arrangements.
find out more
Term Loan Agreement Non Regulated
An Australian law-governed agreement for a fixed-term commercial loan facility, setting out terms and conditions for business lending outside consumer credit regulations.
find out more
Simple Equipment Loan Agreement
An Australian-compliant agreement governing the temporary loan of equipment between parties, including terms, conditions, and responsibilities.
find out more
Model Loan Agreement
An Australian-compliant template loan agreement covering essential lending terms and regulatory requirements for use in commercial and consumer lending contexts.
find out more
Facility Loan Agreement
An Australian law-governed agreement establishing terms and conditions for a loan facility, including facility amount, interest rates, repayment terms, and security arrangements.
find out more
Computer Equipment Loan Agreement
An Australian-law governed agreement establishing terms for temporary computer equipment loans, including usage conditions, maintenance responsibilities, and return procedures.
find out more
Standard Loan Agreement
An Australian-law governed agreement establishing terms for financial lending, including loan amount, interest, repayment terms, and security arrangements.
find out more
Master Securities Loan Agreement
An Australian law-governed agreement template for securities lending transactions between financial institutions, establishing terms for securities loans and collateral arrangements.
find out more
Film Equity Investment Agreement
Australian-law governed agreement for equity investment in film production, establishing investment terms, rights, and revenue sharing arrangements.
find out more
Co Financing Agreement
An Australian law-governed agreement establishing terms for multiple lenders to jointly provide financing to a borrower, subject to Australian banking and corporate regulations.
find out more
OverFacility Agreement
An Australian-law agreement establishing an overdraft facility between a financial institution and borrower, detailing credit limits, terms, and obligations.
find out more
Investment Loan Contract
An Australian law-governed agreement establishing terms and conditions for investment financing, including loan details, security arrangements, and regulatory compliance requirements.
find out more
Tripartite Loan Agreement
An Australian-law governed agreement establishing a three-way lending arrangement between a lender, borrower, and third party, detailing loan terms and party obligations.
find out more
Loan And Mortgage Agreement
An Australian law-governed agreement establishing loan terms and mortgage security arrangements over real property, compliant with national credit and property legislation.
find out more
Lease Hire Agreement
An Australian-compliant agreement governing the terms and conditions for hiring assets or equipment, suitable for both business and consumer leasing arrangements.
find out more
Hire Purchase Agreement For Car
An Australian law-compliant agreement for purchasing a vehicle through structured payments, with ownership transferring to the buyer upon final payment.
find out more
Deed Of Accession Loan Agreement
An Australian law-governed deed enabling a new party to join and assume rights and obligations under an existing loan agreement.
find out more
Co Borrower Loan Agreement
An Australian legal agreement establishing terms and conditions for multiple borrowers to jointly obtain and repay a loan, subject to Australian federal and state lending laws.
find out more
Bike Hire Purchase Agreement
An Australian law-governed agreement for the hire purchase of bicycles, establishing payment terms, usage conditions, and ownership transfer upon final payment.
find out more
Bridge Loan Contract
An Australian law-governed agreement for short-term interim financing, establishing loan terms, security arrangements, and repayment conditions.
find out more
Undertaking Loan Agreement
An Australian law-governed loan agreement detailing terms, conditions, and undertakings for financial accommodation between lender and borrower.
find out more
Trade Finance Agreement
An Australian law-governed agreement establishing trade finance facilities between a bank and borrower, detailing products, terms, and security arrangements.
find out more
Separation Financial Agreement
An Australian legal document that formalizes financial arrangements between separating couples under the Family Law Act 1975, detailing asset division and financial responsibilities.
find out more
Seller Financing Car Contract
An Australian contract for selling a vehicle with seller-provided financing, compliant with national consumer credit and state vehicle regulations.
find out more
Real Estate Loan Agreement
An Australian-law governed agreement establishing terms and conditions for a property-secured loan, including lending terms and security arrangements.
find out more
Mezzanine Loan Agreement
Australian law-governed agreement establishing terms for subordinated debt financing, including facility terms, security arrangements, and subordination mechanics.
find out more
Margin Loan Agreement
An Australian-compliant agreement governing margin lending arrangements between a financial institution and borrower, including security provisions and regulatory requirements.
find out more
Loan Swap Agreement
An Australian law-governed agreement for exchanging loan payment obligations between parties, typically involving different interest rates or currencies.
find out more
Loan Note Agreement
An Australian-law governed agreement documenting the issuance of debt securities, setting out terms for borrowing, repayment, and parties' rights and obligations.
find out more
Loan Agreement Between Spouses
An Australian-compliant loan agreement for use between married spouses, documenting loan terms and conditions while ensuring protection under family law.
find out more
Financial Support Agreement
An Australian law-governed agreement establishing terms and conditions for providing financial support between parties, including payment terms, conditions, and compliance requirements.
find out more
Financial Assistance Agreement
An Australian-law governed agreement establishing terms for providing financial assistance, including funding conditions, repayment terms, and party obligations.
find out more
Financial Agreement Between Two Parties
An Australian law-governed agreement establishing financial arrangements between two parties, including payment terms, security provisions, and regulatory compliance requirements.
find out more
Equity Funding Agreement
An Australian-law governed agreement that sets out the terms and conditions for equity investment in a company, including share issuance, investor rights, and governance arrangements.
find out more
Equipment Lease Purchase Agreement
An Australian-compliant agreement combining equipment leasing with a purchase option, allowing businesses to lease equipment with the possibility of ownership.
find out more
Equipment Lease Agreement With Option To Purchase
An Australian law-governed agreement allowing equipment lease with future purchase rights, combining rental flexibility with acquisition options.
find out more
Car Mortgage Agreement
An Australian-law governed agreement creating a security interest over a motor vehicle as collateral for a loan, compliant with national credit and personal property security legislation.
find out more
Genie’s Security Promise
Genie is the safest place to draft. Here’s how we prioritise your privacy and security.
Your documents are private:
We do not train on your data; Genie’s AI improves independently
All data stored on Genie is private to your organisation
Your documents are protected:
Your documents are protected by ultra-secure 256-bit encryption
We are ISO27001 certified, so your data is secure
Organizational security:
You retain IP ownership of your documents and their information
You have full control over your data and who gets to see it
.png)
.png)