Loan Note Form for Australia

Loan Note Form Template for Australia

A Loan Note Form is a formal debt instrument document governed by Australian law that evidences and sets out the terms of a loan arrangement between a lender and borrower. This comprehensive document details the loan amount, interest rates, repayment terms, security arrangements (if any), and various rights and obligations of the parties involved. It incorporates relevant provisions to ensure compliance with Australian financial services laws, corporations law, and securities regulations, while providing a clear framework for the debt arrangement and its enforcement.

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.

Download a Standard Template

4.6 / 5
4.8 / 5
Access for free
OR

Alternatively: Run an advanced review of an existing
Loan Note Form

Let Genie AI's market-leading legal AI identify missing terms, unusual language, compliance issues and more - in just seconds.
Upload your Doc

What is a Loan Note Form?

The Loan Note Form is a crucial financial instrument used in Australian business transactions to formalize debt arrangements between parties. It serves as both evidence of debt and a detailed agreement setting out the terms and conditions of the loan. This document is particularly relevant when businesses or individuals require formal documentation of debt financing, whether for capital raising, business expansion, or other commercial purposes. The Loan Note Form must comply with Australian financial services legislation, including the Corporations Act 2001 (Cth) and relevant ASIC regulations. It can be structured as either a simple bilateral arrangement or as part of a more complex financing structure, potentially including security arrangements, guarantees, or special conditions. The document's flexibility allows it to be tailored to various commercial contexts while maintaining legal enforceability under Australian law.

What sections should be included in a Loan Note Form?

1. Parties: Identifies the Note Issuer (borrower) and Note Holder (lender)

2. Background: Explains the context and purpose of the loan note issuance

3. Definitions and Interpretation: Defines key terms and establishes interpretation principles

4. Loan Note Details: Specifies the principal amount, issue date, and maturity date

5. Interest: Details the interest rate, calculation method, and payment frequency

6. Repayment Terms: Specifies repayment schedule, prepayment rights, and payment mechanics

7. Events of Default: Lists circumstances constituting default and consequences

8. Representations and Warranties: Standard declarations by the Note Issuer regarding their capacity and authority

9. Undertakings: Ongoing obligations of the Note Issuer during the term of the note

10. Transferability: Terms governing the transfer or assignment of the note

11. Notices: Communication procedures between parties

12. General Provisions: Standard boilerplate clauses including governing law, jurisdiction, and amendments

What sections are optional to include in a Loan Note Form?

1. Security: Include when the loan note is secured by specific assets or guarantees

2. Guarantee: Include when there is a third-party guarantor for the loan

3. Conversion Rights: Include for convertible loan notes that can be converted to equity

4. Subordination: Include when the note needs to be subordinated to other debt

5. Tax Provisions: Include detailed tax clauses when tax implications are significant

6. Financial Covenants: Include when specific financial ratios or conditions must be maintained

7. Registration Rights: Include when the note needs to be registered with regulatory authorities

What schedules should be included in a Loan Note Form?

1. Repayment Schedule: Detailed schedule of repayment dates and amounts

2. Interest Calculation Methods: Detailed explanation of interest calculations and examples

3. Form of Transfer Certificate: Template for documenting transfers of the note

4. Security Details: Details of any security or collateral (if applicable)

5. Conditions Precedent: List of conditions to be satisfied before the note becomes effective

6. Permitted Security Interests: List of security interests allowed under the note terms

7. Notice Details: Contact information and addresses for notices

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Jurisdiction

Australia

Publisher

Genie AI

Document Type

Loan Agreement

Sector

Cost

Free to use
Relevant legal definitions
Relevant Industries

Financial Services

Banking

Investment Management

Real Estate

Infrastructure

Manufacturing

Technology

Healthcare

Mining and Resources

Retail

Professional Services

Agriculture

Construction

Energy

Relevant Teams

Legal

Finance

Treasury

Compliance

Risk Management

Corporate Development

Executive Management

Company Secretariat

Credit

Commercial

Investment

Corporate Banking

Relevant Roles

Chief Financial Officer

Finance Director

Treasury Manager

Financial Controller

Corporate Lawyer

Legal Counsel

Company Secretary

Investment Manager

Credit Manager

Risk Manager

Compliance Officer

Managing Director

Chief Executive Officer

Commercial Director

Business Development Manager

Account Manager

Corporate Banking Manager

Investment Banker

Industries
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

Find the exact document you need

Auto Loan Promissory Note

An Australian-compliant template for vehicle loan agreements that establishes loan terms, security interests, and obligations under national consumer credit laws.

find out more

Contract To Take Over Car Payments

An Australian legal agreement for transferring car payment obligations from one borrower to another, compliant with national consumer credit laws.

find out more

Private Lender Contract

An Australian-law governed agreement establishing terms and conditions for private lending arrangements, including loan details, security, and compliance with national lending regulations.

find out more

Vendor Finance Loan Agreement

An Australian-law governed template agreement for vendor financing arrangements, incorporating security interests and compliance with local credit legislation.

find out more

OverLoan Agreement

An Australian-law governed agreement establishing an overdraft facility between a financial institution and borrower, detailing credit limits, terms, and obligations under Australian banking regulations.

find out more

Fixed Sum Loan Agreement Early Settlement

An Australian-compliant loan agreement template for fixed sum loans with early settlement provisions, meeting National Consumer Credit Protection Act requirements.

find out more

Employee Loan Agreement Interest

An Australian-compliant interest-free loan agreement between employer and employee, including repayment terms and FBT considerations.

find out more

Employee Computer Loan Agreement

An Australian law agreement governing the loan of computer equipment from employer to employee, establishing terms, conditions, and mutual obligations.

find out more

Facility Agreement Loan

An Australian law-governed agreement setting out terms and conditions for the provision of loan facilities between lenders and borrowers, including key financial and operational terms.

find out more

Acknowledgement Of Debt Agreement

An Australian-compliant legal document where a debtor formally acknowledges their debt and agrees to specific repayment terms under Australian law.

find out more

Personal Loan To Business Agreement

An Australian-law governed agreement between an individual lender and a business borrower, establishing terms and conditions for a business loan.

find out more

Loan Agreement Between Family Members

An Australian-compliant legal agreement that formalizes and documents loan arrangements between family members, including terms, conditions, and repayment schedules.

find out more

Standard Mortgage Agreement

An Australian-law governed agreement establishing the terms and security arrangements for a mortgage loan secured against real property.

find out more

Director Loan To Company Agreement

An Australian law-governed agreement documenting the terms and conditions of a loan provided by a director to their company, ensuring regulatory compliance and protecting both parties' interests.

find out more

Construction Loan Contract

An Australian legal agreement for progressive funding of construction projects, governing both financial and construction aspects under Australian federal and state laws.

find out more

Commercial Real Estate Loan Term Sheet

Australian-compliant template outlining key terms and conditions for commercial real estate loan facilities.

find out more

Demand Loan

Australian-compliant demand loan agreement template allowing lenders to call for repayment at any time, suitable for both consumer and business lending.

find out more

Balloon Loan Agreement

An Australian-compliant loan agreement template featuring regular payments and a final balloon payment, structured according to Australian financial and consumer protection laws.

find out more

Loan Agreement Between Two Individuals

An Australian-compliant loan agreement template for personal lending between individuals, establishing terms, conditions, and obligations for both parties.

find out more

Simple Intercompany Loan Agreement

An Australian law template for documenting loan arrangements between related companies within the same corporate group.

find out more

Loan Agreement Between Companies

Australian corporate loan agreement template for inter-company lending, compliant with Australian corporate and financial services laws.

find out more

Home Equity Loan Agreement

Australian-compliant Home Equity Loan Agreement Template establishing terms for property equity-secured lending, including mandatory consumer protection provisions.

find out more

Simple Promissory Note For Family Loan

An Australian legal document that formalizes and documents the terms of a monetary loan between family members, providing legal protection while maintaining familial considerations.

find out more

Debt Payment Agreement

An Australian-compliant template for structuring and documenting debt repayment arrangements between creditors and debtors, incorporating all essential legal and practical provisions.

find out more

Inter Lender Agreement

An Australian law-governed agreement establishing rights, priorities, and relationships between multiple lenders in a financing arrangement.

find out more

Hand Loan Agreement

An Australian-compliant agreement documenting the terms and conditions of a personal or small business loan between parties, including loan amount, interest, and repayment terms.

find out more

Flexi Finance Loan Agreement

An Australian-compliant flexible finance agreement establishing a revolving credit facility with variable drawdown and repayment terms.

find out more

Credit Terms Agreement

An Australian-compliant template for establishing credit arrangements between providers and customers, incorporating all necessary legal and regulatory requirements.

find out more

Assignment Of Loan Agreement

Australian-compliant template for transferring loan rights and obligations from one lender to another, suitable for various types of loan assignments under Australian law.

find out more

Agreement Between Two Persons For Money

An Australian law-governed agreement formalizing financial arrangements between two individuals, including payment terms and obligations.

find out more

Subordinated Loan Agreement

Australian law template for subordinated loan arrangements, establishing terms for junior-ranking debt with comprehensive creditor provisions.

find out more

Loan Payment Agreement

An Australian-law governed agreement establishing loan terms, repayment conditions, and parties' obligations in a lending arrangement.

find out more

Loan Participation Agreement

Australian law-governed template for loan participation arrangements between financial institutions, establishing terms for loan interest transfers and regulatory compliance.

find out more

Simple Loan Application Form

An Australian-compliant loan application form template for collecting and assessing borrower information in accordance with national lending regulations.

find out more

Private Lending Term Sheet

An Australian law-compliant template outlining key terms and conditions for private lending arrangements, serving as the foundation for the final loan agreement.

find out more

Personal Loan Receipt

An Australian-compliant template for documenting personal loan receipts, capturing loan details and acknowledgment of funds transfer between parties.

find out more

Payday Loan Contract

An Australian-compliant payday loan contract template for small amount credit contracts (SACCs), incorporating all regulatory requirements and consumer protections under Australian law.

find out more

Facility Agreement

An Australian law-governed template agreement setting out terms and conditions for corporate lending facilities, including key provisions for facility mechanics, security, and covenants.

find out more

Debt Repayment Contract

An Australian-compliant Debt Repayment Contract Template for documenting and managing debt repayment arrangements between creditors and debtors.

find out more

Employee Forgivable Loan Agreement

An Australian-law governed agreement establishing terms for an employer-provided loan to an employee that can be forgiven based on specified employment and performance conditions.

find out more
See more related templates

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

2 Docs LeftAccess Now