The 90 Day Promissory Note is a commonly used financial instrument in the United States for short-term lending arrangements. It provides a formal structure for loans that need to be repaid within a three-month period, making it particularly useful for business bridge financing, inventory purchases, or temporary cash flow needs. The document specifies the principal amount, interest rate, payment schedule, and default provisions, while complying with both federal regulations and state-specific usury laws. This type of note can be either secured or unsecured, and may include additional provisions such as prepayment terms or guarantor requirements.
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1. Basic Information: Date, parties involved, and principal amount of the promissory note
2. Promise to Pay: Clear statement of the borrower's obligation to repay the specified amount to the lender
3. Payment Terms: Specification of maturity date (90 days), interest rate, and payment schedule details
4. Default Provisions: Consequences of missing payments or other defaults, including acceleration clauses
5. Governing Law: Specification that the note is governed by United States law and applicable state laws
1. Security Interest: Details of collateral and security arrangements if the note is secured by specific assets
2. Prepayment Provisions: Terms and conditions for early repayment of the note, including any penalties or benefits
3. Late Payment Penalties: Specific penalties and additional charges that apply to late payments
4. Assignment Rights: Terms and conditions for transferring or selling the note to another party
1. Payment Schedule: Detailed breakdown of payment dates and amounts over the 90-day period
2. Collateral Description: Detailed description of any assets securing the note, if applicable
3. Guarantor Agreement: Terms and conditions of any third-party guarantee of the note, if applicable
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