Loan agreement template for Australian business

Put money you are lending on clear, enforceable terms.

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What this document does

This loan agreement records how much is lent, when it is repaid, and what happens if the borrower defaults. You choose whether the loan charges interest, is secured over the borrower's assets, and carries a guarantor, and whether to sign it as an agreement or a deed. It is built only for business or investment loans, not consumer credit. An Australian solicitor reviewed and approved the template. You answer plain questions and download it ready to sign.

The questions we’ll ask

  1. Purpose of the loan

  2. Agreement or deed

  3. The Lender

  4. The Borrower

  5. Guarantor

  6. The loan

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Can I use this for a loan to family or a friend?
Only if the loan is for business or investment purposes. This template is not for a personal, household or home loan. A loan provided in the course of a lending business for personal or home purposes is regulated consumer credit under the National Credit Code and needs an Australian Credit Licence, which this document cannot give.
Should I sign it as an agreement or a deed?
An agreement suits an ordinary term loan. Choose a deed if the loan is repayable on demand, interest-free, or guaranteed. A deed needs no consideration and gives you 12 years to sue in NSW instead of 6. An individual signing a deed needs a witness in most states.
My company is lending to a shareholder. Is that covered?
Not by this template. A private company lending to a shareholder or an associate usually needs a complying Division 7A loan agreement, or the ATO can treat the loan as a dividend. Use the dedicated Division 7A loan agreement and get accounting advice.
Can I take security for the loan?
Yes, over personal property such as equipment, vehicles, shares or book debts, or over everything the borrower owns. The document authorises you to register on the PPSR, which you must do within 20 business days. Security over land is not covered here, and needs a separate registered mortgage.
Is this a subscription?
No. It is $49 once. No monthly fee, no auto-renewal. You buy the document and reuse it for your next loan.

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