Online Generator for
Loan Agreement
(Free Template)

Automatically create a complete, free and legally compliant loan agreement – in a ready-to-download PDF format.

Fill in the details to generate the agreement

Enter the required information to automatically generate the loan agreement in PDF format.

Guaranteed confidentiality. The data you enter is not stored, saved or shared with third parties.

Key Benefits of a
Loan Agreement

A well-drafted agreement offers legal protection and clarity in the relationship between the parties.

Legal security

Ensures clear, legally protected relationships and reduces the risk of disputes between parties.

Financial clarity

Provides clear and correct evidence of the transaction, useful both for tax authorities and for internal management.

Clear relations between parties

Sets precise conditions regarding repayment, deadlines, interest and responsibilities, so each party knows exactly what it must do.

Other useful calculators

Explore all our tools for optimising your company’s taxes.

Accounting Prices

Estimate the cost of accounting services for your business based on activity volume and number of documents.

Calculate now

IT Park Calculator

Compare taxes and costs between an ordinary LTD and IT Park to choose the optimal legal form for your business.

Calculate now

Frequently Asked Questions (FAQ)

Quick clarifications on using the generator and the validity of the generated agreement.

In what situations is a loan agreement useful?
A loan agreement is useful at the beginning of the activity, when the founder can lend the company the amounts needed for launch.
It is also used when the company temporarily lacks liquidity. For example, there are late collections from clients, but salaries, taxes or suppliers must be paid immediately. A short-term loan helps avoid financial blockages.
Many entrepreneurs also use it for accounting and tax optimisation: the agreement clearly and transparently justifies the funds introduced into the company, avoiding misinterpretations from tax authorities.
When the founder does not want to increase the share capital, the loan becomes a simple and quick alternative, without additional procedures and without notary costs.
The loan agreement is also useful in relationships between individuals – for example, when two persons mutually agree on a money loan for a set period and want to clearly state the repayment conditions.
Is the generated agreement legally valid?

The agreement template is structured according to current legal practice and includes the essential clauses for a loan agreement between individuals or legal entities.

However, legal validity depends on correctly filling in the data, the parties’ signatures and compliance with the legislation in force at the time of signing.

Can I use this agreement both between individuals and between companies?

Yes. The generator allows you to fill in data both for individuals and for legal entities (companies). It is important that the type of each party (lender/borrower) is indicated correctly.

If one of the parties is non-resident or there are specific tax aspects, it is recommended to discuss beforehand with a specialist.

Are the data entered in the form stored anywhere?

No. The data entered in the agreement generator are used exclusively to fill in the document and are not saved in our databases or shared with third parties.

The generated document remains only at your disposal, in a downloadable PDF format.

Is it mandatory to register the loan agreement with a notary or an authority?

In many situations, a private-signature loan agreement is sufficient, if it is signed by both parties and clearly states the amount, term and repayment conditions.

However, for large amounts, real guarantees (pledge/mortgage) or special situations, notarial authentication can offer extra safety and faster enforceability. We recommend consulting a lawyer or notary for more complex cases.

Can I later modify the generated agreement (e.g. interest or deadlines)?

Yes, you can generate a new agreement with other conditions or you can draft an addendum to the already signed agreement, with the consent of both parties.

The important thing is that the changes are recorded in writing, dated and signed, so that all parties are equally protected.

What should I do if the debtor does not repay the loan on time?

The loan agreement serves as the main evidence in case of a potential court action. Generally, it is recommended to first send a written notice to the debtor (formal demand), and if there is no reaction, to initiate legal proceedings.

For concrete steps, a discussion with a lawyer or a specialist in the field is advisable.

Scroll to top button