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Promissory Note Loan Agreement

Promissory Note Loan Agreement Template for Netherlands

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Key Requirements PROMPT example:

Promissory Note Loan Agreement

"I need a Promissory Note Loan Agreement under Dutch law for a €500,000 business loan to a technology startup, with quarterly interest payments and full principal repayment by March 2025, including specific covenants for maintaining minimum cash reserves."

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Document background
The Promissory Note Loan Agreement is a specialized financial instrument used in the Netherlands when parties wish to combine the comprehensive nature of a loan agreement with the additional security of a promissory note. This document is particularly useful in situations requiring a structured lending arrangement with enhanced enforceability under Dutch law. It includes detailed terms for the loan, specific promissory note provisions that comply with Dutch civil code requirements, and can be used for both business and personal lending. The agreement is commonly used in commercial lending, private loans, and business financing where the lender requires additional payment assurance beyond a standard loan agreement. The document must comply with Dutch financial regulations, including the Financial Supervision Act (Wet op het financieel toezicht) and relevant provisions of the Dutch Civil Code (Burgerlijk Wetboek).
Suggested Sections

1. Parties: Identification of the Lender and Borrower with full legal names and addresses

2. Background: Context of the loan agreement and the purpose for which it is being entered into

3. Definitions: Definitions of key terms used throughout the agreement

4. Loan Amount and Purpose: Specification of the principal amount and the agreed purpose of the loan

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

6. Promissory Note Terms: Specific provisions regarding the promissory note, including form and content requirements under Dutch law

7. Repayment Terms: Schedule of repayments, payment methods, and prepayment provisions

8. Representations and Warranties: Standard declarations by the borrower about their legal capacity and financial condition

9. Events of Default: Circumstances that constitute default and their consequences

10. Notices: Communication requirements and contact details for formal notices

11. Governing Law and Jurisdiction: Confirmation of Dutch law application and jurisdiction for disputes

Optional Sections

1. Security: Details of any collateral or security provided for the loan - include when the loan is secured

2. Guarantor Provisions: Terms applying to any guarantors of the loan - include when there are third-party guarantors

3. Insurance Requirements: Obligations to maintain specific insurance - include when insurance is required for secured assets

4. Financial Covenants: Financial maintenance requirements - include for business borrowers

5. Tax Provisions: Specific tax-related obligations and withholding requirements - include for cross-border loans

6. Assignment and Transfer: Rights to assign or transfer the loan - include when transferability is important

7. Multiple Borrowers: Joint and several liability provisions - include when there are multiple borrowers

Suggested Schedules

1. Repayment Schedule: Detailed amortization table showing payment dates and amounts

2. Form of Promissory Note: Template of the promissory note to be signed

3. Security Details: Detailed description of any security or collateral provided

4. Conditions Precedent: List of documents and conditions required before loan disbursement

5. Form of Draw Down Notice: Template for requesting loan disbursement

6. Contact Details: Complete contact information for all parties and their representatives

Authors

Alex Denne

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

alex.den.21@genieai.co
Relevant legal definitions






































Clauses






























Relevant Industries

Financial Services

Banking

Real Estate

Commercial Lending

Private Equity

Small Business

Manufacturing

Retail

Technology

Construction

Agriculture

Professional Services

Relevant Teams

Legal

Finance

Treasury

Risk Management

Compliance

Credit Administration

Corporate Secretariat

Business Development

Commercial Operations

Administrative Support

Relevant Roles

Chief Financial Officer

Finance Director

Legal Counsel

Corporate Lawyer

Finance Manager

Credit Manager

Loan Officer

Treasury Manager

Financial Controller

Risk Manager

Compliance Officer

Business Development Manager

Managing Director

Commercial Director

Company Secretary

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

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