Promissory Note Loan Agreement for Singapore

Promissory Note Loan Agreement Template for Singapore

A legally binding agreement under Singapore law that combines a loan agreement with a promissory note, documenting the terms of borrowing and the borrower's promise to repay. The document details the loan amount, interest rate, repayment terms, and consequences of default, while complying with Singapore's Moneylenders Act and related financial regulations. It provides enhanced security for the lender through the incorporated promissory note element.

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What is a Promissory Note Loan Agreement?

The Promissory Note Loan Agreement is a sophisticated financial instrument used in Singapore when parties require a formal loan structure with enhanced security. This hybrid document combines the comprehensive terms of a loan agreement with the negotiable nature of a promissory note, making it particularly useful for business loans, private lending, and structured financing arrangements. It provides clear documentation of the debt, repayment terms, and the borrower's unequivocal promise to pay, while ensuring compliance with Singapore's strict financial regulations, including the Moneylenders Act and Banking Act.

What sections should be included in a Promissory Note Loan Agreement?

1. Parties: Identifies the lender and borrower with full legal names and addresses

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

3. Definitions: Defines key terms used throughout the agreement

4. Loan Amount and Purpose: Specifies the principal amount and intended use of funds

5. Interest Rate: Details the applicable interest rate and calculation method

6. Repayment Terms: Specifies payment schedule and methods

7. Events of Default: Lists circumstances constituting default

8. Governing Law: Confirms Singapore law governs the agreement

What sections are optional to include in a Promissory Note Loan Agreement?

1. Security: Details of any collateral or security provided for the loan

2. Guarantees: Terms of any personal or corporate guarantees provided

3. Insurance: Required insurance coverage for the loan or security

What schedules should be included in a Promissory Note Loan Agreement?

1. Repayment Schedule: Detailed payment timeline with amounts and due dates

2. Security Details: Detailed description of any security/collateral provided

3. Form of Promissory Note: Template of the actual promissory note to be executed

4. Guarantee Agreement: If applicable, the detailed guarantee documentation

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

Cost

Free to use

Relevant legal definitions

Clauses

Relevant Industries

Banking
Real Estate
Small Business
Private Lending

Relevant Teams

Finance
Legal
Treasury
Risk Management
Operations

Relevant Roles

Chief Financial Officer
Finance Manager
Legal Counsel
Credit Manager
Treasury Manager

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Unsecured Promissory Note

A legally binding promise to pay under Singapore law, documenting an unsecured debt obligation between parties.

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What is a Promissory Note Loan Agreement?

What sections should be included in a Promissory Note Loan Agreement?

What sections are optional to include in a Promissory Note Loan Agreement?

What schedules should be included in a Promissory Note Loan Agreement?

Authors

Alex Denne

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