Template category
AI Financial Agreement Generator: 120+ Legal Templates (2026)
Loan agreements, promissory notes, payment plans, ACH authorizations and guarantees — grouped by the kind of deal you're documenting.
Loan & Lending Agreements
LOAN MODIFICATION AGREEMENT TEMPLATE This Loan Modification Agreement (“Agreement”) is entered into as of [Date], by and between: Lender: [Full Name or Company Name], with a principal… Loan Modification Agreement Template: Terms and Payments
Applicant Name(s): [Name(s)] Loan Type (Optional): ☐ Conventional ☐ FHA ☐ VA ☐ USDA ☐ Jumbo ☐ Other: [Type] Property Type (Optional): ☐ Primary… Home Loan Application Checklist Template
Personal Loan Agreement This Personal Loan Agreement ("Agreement") is made and entered into on [Date], by and between: Lender: [Full Name / Company Name] Address: [Lender’s… Personal Loan Agreement Template: Interest and Repayment
This Money Lending Agreement (the “Agreement”) is entered into as of [Effective Date] by and between: Lender: [Lender Full Legal Name], address… Money Lending Agreement (Lending Contract) Template
Loan Satisfaction Letter Template [Sender (Lender) Name] [Sender Business Name, if applicable] [Street Address] [City, State/Province, ZIP/Postal Code, Country] Phone: [Phone Number] Email… Loan Satisfaction Letter Template: Debt Paid & Release Notice
This Forbearance Agreement (the “Agreement”) is entered into as of [Effective Date] by and between: Lender/Creditor: [Lender Name], with an address at… Forbearance Agreement Template
Secured Personal Loan Agreement Template This Secured Personal Loan Agreement (“Agreement”) is made as of [Date of Agreement]. Parties Lender: Full Legal Name: [Lender Full Legal Name] Address… Secured Personal Loan Agreement Template: Collateral
This Equipment Financing Agreement (the “Agreement”) is entered into as of [Effective Date] by and between: Lender: [Lender Legal Name], with an… Equipment Financing Agreement Template
Gift Letter for a Mortgage Template Date: [Date] To: [Lender Name / Mortgage Company Name] Loan Officer, if known: [Name] Address: [Address] Subject: Gift Letter for Mortgage Donor Informatio… Gift Letter for a Mortgage Template: Donor and Fund Terms
Family Loan Agreement Template This Family Loan Agreement (“Agreement”) is made as of [Date of Agreement]. Parties Lender: Full Legal Name: [Lender Full Name] Relationship to Borrower… Family Loan Agreement Template: Repayment & Interest
Unsecured Loan Agreement Template This Unsecured Loan Agreement (“Agreement”) is made as of [Date of Agreement]. Parties Lender: Full Legal Name: [Lender Full Legal Name] Business Name… Unsecured Loan Agreement Template: Repayment & Default
Personal Loan Contract Template This Personal Loan Contract (“Agreement”) is made as of [Date of Agreement]. Parties Lender: Full Legal Name: [Lender Full Legal Name] Business Name (if… Personal Loan Contract Template: Interest & Repayment
Loan Repayment Schedule Template [Loan Repayment Schedule – Exhibit to Loan Agreement / Promissory Note] Parties and Loan Reference Lender: [Lender Full… Loan Repayment Schedule Template: Dates, Terms & Payments
Loan Agreement This Loan Agreement (“Agreement”) is entered into on [Date], by and between: • Lender: [Full Name or Company Name], with an address at [Address]. • Borr… Loan Agreement Template: Interest, Repayment and Default
Date: [Date] From (Borrower): [Borrower Full Name] [Borrower Address] [City, State, ZIP] [Phone] | [Email] To (Lender): [Lender Full Name] [Lender Address] [… Borrowing Money Agreement Letter Template (2026, IRS-Compliant)
Promissory Notes & IOUs
Promissory Note Date: [Date] For value received, the undersigned [Borrower’s Full Name], residing at [Address] (“Borrower”), promises to pay [Lender’s Full Name]… Promissory Note Template: Loan, Interest and Default Terms
Balloon Note Template This Balloon Note (“Note”) is made and entered into on [Date], by and between: Lender: Name: __________________________ Address: ________________________… Balloon Note Template: Promissory Note and Final Payment
Demand Note Template This Demand Note (“Note”) is entered into on [Date], by and between: Lender: Name: __________________________ Address: __________________________ Email… Demand Note Template: Promissory Note Payable on Demand
IOU Agreement Template This IOU Agreement (“Agreement”) is made as of [Date of Agreement]. Parties Debtor (Person Who Owes Money): Full Legal Name: [Debtor Full Legal Name] Addr… IOU Agreement Template: Debt Acknowledgment & Repayment
Promissory Note Personal Template This Promissory Note Personal (“Note”) is made as of [Date of Note]. Parties Maker (Borrower): Full Legal Name: [Maker Full Legal Name] Address: [Maker… Promissory Note Personal Template: Repayment Terms & Default
Personal Promissory Note Template This Personal Promissory Note (“Note”) is made as of [Date of Note]. Parties Maker (Borrower): Full Legal Name: [Maker Full Legal Name] Address: [Street… Personal Promissory Note Template: Repayment Terms & Default
Allonge to Promissory Note Template This Allonge is attached to and made part of the following Promissory Note: Note Date: [Date] Original Principal Amount: [$Amount] Borrower / Maker… Allonge to Promissory Note Template: Transfer and Endorsement
Simple Promissory Note Template This Simple Promissory Note (“Note”) is made as of [Date of Note]. Parties Maker (Borrower): Full Legal Name: [Maker Full Legal Name] Address: [Street… Simple Promissory Note Template: Basic Repayment Terms
Date: [Date] From (Debtor): [Full Name / Business Name] [Address] [Phone] | [Email] To (Creditor): [Full Name / Business Name] [Address] [Phone] | [Email] Am… Promise to Pay Agreement / Letter Template
This Family Member Promissory Note (the “Note”) is made on [Date]. Parties 1.1 Lender: [Lender Full Name], address: [Address]. 1.2 Borrower: [Borrower… Family Member Promissory Note Template
Payment Plans & Installment Agreements
Billing Agreement Template This Billing Agreement (“Agreement”) is entered into as of [Effective Date] by and between: Service Provider / Vendor [Provider Legal Name] [Entity Type… Billing Agreement Template: Rates, Fees & Invoice Terms
Payment Agreement This Payment Agreement (“Agreement”) is entered into on [Date] by and between: Creditor: [Full Name/Company], with an address at [Address]. Debtor: [Ful… Payment Agreement Template: Installments, Due Dates & Late Fees
Late Payment Agreement Template This Late Payment Agreement (“Agreement”) is made as of [Date] (“Effective Date”) by and between: Creditor: [Creditor Legal Name] [Entity Type or… Late Payment Agreement Template: Balance & New Schedule
Terms of Payment Template The following Terms of Payment form part of the agreement between the Parties. Definitions For purposes of these Terms of Payment: “Provider” means… Terms of Payment Template: Due Dates, Methods, Fees & Disputes
Partial Payment Agreement Template This Partial Payment Agreement (“Agreement”) is made as of [Date] (“Effective Date”) by and between: Creditor: [Creditor Legal Name] [Entity Type or… Partial Payment Agreement Template: Installments & Balance
Installment Payment Agreement Template This Installment Payment Agreement (“Agreement”) is made as of [Date] (“Effective Date”) by and between: Seller / Creditor: [Seller/Creditor Legal Name]… Installment Payment Agreement Template + 12-Mo Calculator (2026)
This Payment Plan Agreement (the “Agreement”) is entered into as of [Effective Date] by and between: Creditor: [Creditor Name], with an address at… Payment Plan Agreement Template
Recurring Payment Agreement Template This Recurring Payment Agreement (“Agreement”) is made as of [Effective Date] by and between: Service Provider / Vendor [Provider Legal Name] [Entity… Recurring Payment Agreement Template: Automatic Charges & Terms
Payment Arrangement Agreement Template This Payment Arrangement Agreement (“Agreement”) is made as of [Date] (“Effective Date”) by and between: Creditor: [Creditor Legal Name] [Entity Type or… Payment Arrangement Agreement Template: Installments Plan
Service Payment Agreement Template This Service Payment Agreement (“Agreement”) is made as of [Date] (“Effective Date”) by and between: Service Provider [Provider Legal Name] [Entity Type… Service Payment Agreement Template: Fees, Invoices & Terms
Agreement to Pay Template This Agreement to Pay (“Agreement”) is made as of [Date] (“Effective Date”) by and between: Creditor: [Creditor Legal Name] [Entity Type or “Individual”]… Agreement to Pay Template: Payment Terms, Schedule & Late Fees
Advance Payment Agreement Template This Advance Payment Agreement (“Agreement”) is made and entered into as of [Date] (“Effective Date”) by and between: Service Provider / Seller: [Provid… Advance Payment Agreement Template: Deposits, Refunds & Terms
Revenue, Grant & Profit-Sharing Agreements
Power Purchase Agreement Template This Power Purchase Agreement (“Agreement”) is entered into on [Date], by and between: Seller (Producer): [Company Name] Address: [Address] Contact Infor… Power Purchase Agreement Template: Pricing, Term & Delivery
Grant Agreement Template This Grant Agreement (“Agreement”) is entered into on [Date], by and between: Grantor (Funding Entity): [Full Legal Name / Organization Name] Address… Grant Agreement Template: Funding, Deliverables & Reporting
This Profit Split Agreement (the “Agreement”) is entered into as of [Effective Date] by and between: Party A: [Full Legal Name], with an address at… Profit Split Agreement Template
Donation Agreement Template This Donation Agreement (“Agreement”) is entered into as of [Date], by and between: Donor: [Full Legal Name, Address] Recipient: [Full Legal Name of… Donation Agreement Template: Gift Terms and Restrictions
This Factoring Agreement (the “Agreement”) is made and entered into as of [Effective Date] (the “Effective Date”) by and between: Factor: [Factor… Factoring Agreement Template
This Cost Sharing Agreement (the “Agreement”) is entered into as of [Effective Date] by and between: Party A: [Full Legal Name], with an address at… Cost Sharing Agreement Template
This Revenue Sharing Agreement (the “Agreement”) is entered into as of [Effective Date] by and between: Party A: [Full Legal Name], with an address at… Revenue Sharing Agreement Template
Debt Settlement & Creditor Agreements
Loan Forgiveness Agreement Template This Loan Forgiveness Agreement (“Agreement”) is made as of [Date of Agreement]. Parties Lender: Full Legal Name: [Lender Full Legal Name] Business Name… Loan Forgiveness Agreement Template: Debt Release & Tax Rules
Intercreditor Agreement Template This Intercreditor Agreement (“Agreement”) is made and entered into on [Date], by and between: Senior Lender: [Full Legal Name / Company Name] Address… Intercreditor Agreement Template: Priority and Payments
This Debt Acknowledgement Agreement (the “Agreement”) is entered into as of [Effective Date] by and between: Creditor: [Creditor Full Legal Name]… Debt Acknowledgement Agreement Template
Debt Subordination Agreement Template This Debt Subordination Agreement (“Agreement”) is entered into on [Date], by and between: Senior Lender: Name: __________________________ Address: _____… Debt Subordination Agreement Template: Priority & Terms
Debt Repayment Agreement Template This Debt Repayment Agreement (“Agreement”) is made as of [Date] (“Effective Date”) by and between: Creditor: [Creditor Legal Name] [Entity Type or… Debt Repayment Agreement Template: Payment Schedule & Terms
Medical Lien Agreement Template This Medical Lien Agreement (“Agreement”) is entered into as of [Date], by and among: Patient: [Patient Full Name], of [Address] Provider: [Medical… Medical Lien Agreement Template: Treatment Payment Terms
Debt Settlement Agreement This Debt Settlement Agreement (“Agreement”) is entered into on [Date], by and between: Creditor: [Full Legal Name], with a mailing address of… Debt Settlement Agreement Template: Plan and Release Terms
Disputed Account Settlement Template This Disputed Account Settlement Agreement (“Agreement”) is entered into on [Date], by and between: Party A (Creditor): Name/Company: __________________… Disputed Account Settlement Template: Release & Payment
Guarantees & Guarantor Agreements
Guaranty Template This Guaranty (“Agreement”) is entered into on [Date], by and between: Creditor: Name: __________________________ Address: __________________________ Emai… Guaranty Agreement Template: Personal Guarantee Document
PERSONAL GUARANTEE AGREEMENT TEMPLATE This Personal Guarantee Agreement (“Agreement”) is entered into as of [Date], by and between: Guarantor: [Full Name], residing at [Address] and Creditor… Personal Guarantee Agreement Template: Terms & Liability
Payment Guarantee Agreement Template This Payment Guarantee Agreement (“Agreement”) is made as of [Date] (“Effective Date”) by and between: Creditor: [Creditor Legal Name] [Entity Type] [Stre… Payment Guarantee Agreement Template: Duties, Terms & Risk
Guarantor Agreement Template This Guarantor Agreement (“Agreement”) is made as of [Date of Agreement]. Parties Lender (Beneficiary of Guarantee): Full Legal Name: [Lender Full Legal… Guarantor Agreement Template: Guarantee Obligations & Liability
Release of Personal Guarantee Template This Release of Personal Guarantee (“Agreement”) is made as of [Date of Agreement]. Parties Lender (Beneficiary of Guarantee): Full Legal Name: [Lender… Release of Personal Guarantee Template: Liability Notice
ACH & Payment Authorization Forms
Paying Company: [Your Company Name] Accounts Payable Contact: [Name/Email/Phone] Vendor ID (Optional): [Vendor ID] Date: [Date] Vendor Information 1.1 Vend… Vendor ACH Authorization / Vendor Direct Deposit Form Template
Credit Card Authorization Template [Business / Merchant Name] [Business Address] [City, State/Province, ZIP/Postal Code, Country] Phone: [Business Phone Number] Email: [Billing Email… Credit Card Authorization Template: Recurring Charges & Consent
Hotel Name: [Hotel Name] Hotel Address: [Address] Phone: [Phone] Email/Fax (Optional): [Email/Fax] Reservation Number (Optional): [Reservation #] Date: [Da… Hotel / Third-Party Credit Card Authorization Form Template
Merchant/Payee Name: [Business Name] [Address] [Phone] | [Email] [Website (Optional)] Payer Name: [Full Name/Business] Invoice/Reference Number… One-Time ACH Debit Authorization Template
Merchant/Service Provider Name: [Business Name] [Address] [Phone] | [Email] [Website (Optional)] Customer Name: [Full Name / Business Name] Account/Invoice… Recurring Payment Authorization Form Template
Government Direct Deposit Sign-Up Form Template Payee Name: [Full Name] Address: [Address] City, State, ZIP Code: [City, State, ZIP Code] Phone Number: [Phone Number] Email Address: [Email Address] Date… Government Direct Deposit Sign-Up Form Template: SF-1199A Style
ACH Authorization Form Template This ACH Authorization Form (“Form”) is executed on [Date] between: Business/Payee: [Company Name] Address: [Company Address] Contact Information… ACH Authorization Form Template: Consent and Revocation
Merchant/Payee Name: [Business Name] [Address] [Phone] | [Email] [Website (Optional)] Payer Name: [Full Name/Business] Account/Customer ID (Optional): [__]… Recurring ACH Debit Authorization Template
Written Statement of Unauthorized ACH Debit Template Account Holder Name: [Full Name] Address: [Address] City, State, ZIP Code: [City, State, ZIP Code] Phone Number: [Phone Number] Email Address: [Email… Written Statement of Unauthorized ACH Debit Template: WSUD
Payment Authorization Form Template [Business / Merchant Name] [Business Address] [City, State/Province, ZIP/Postal Code, Country] Phone: [Business Phone Number] Email: [Billing Email… Payment Authorization Form Template: One-Time & Recurring
This Third-Party Sender ACH Service Provider Agreement is made on [Date] by and between: Third-Party Sender: [Company Name] Address: [Address] Service… Third-Party Sender ACH Service Provider Agreement Template
ACH Origination Agreement Template This ACH Origination Agreement is made on [Date] by and between: Originator / Customer: [Company Name] Address: [Address] Financial Institution: [Bank… ACH Origination Agreement Template: Company and Bank Terms
Escrow, Security & Collateral Documents
This Escrow Holdback Agreement (the “Agreement”) is made and entered into as of [Effective Date] (the “Effective Date”) by and among: Depositing Party… Escrow Holdback Agreement Template
Installment Sale and Security Agreement Template This Installment Sale and Security Agreement (“Agreement”) is entered into on [Date], by and between: Seller: Name: __________________________ Address… Installment Sale and Security Agreement Template: Terms
Escrow Agreement Template This Escrow Agreement (“Agreement”) is entered into on [Date], by and between: Party A (Depositor): [Full Legal Name / Company Name] Address: [Address] C… Escrow Agreement Template: Deposit Terms and Release Conditions
SECURITY AGREEMENT TEMPLATE This Security Agreement (“Agreement”) is entered into as of [Date], by and between: Secured Party (Lender): [Full Name or Company Name], with a… Security Agreement Template: Collateral and UCC Filing Terms
Deed of Trust This Deed of Trust (“Deed”) is made on [Date], by and between: Borrower (Trustor): [Borrower Full Name], residing at [Address] Lender (Beneficiary)… Deed of Trust Template: Loan Security Form and Legal Terms
Investment & Equity Documents
Investor Rights Agreement Template This Investor Rights Agreement (“Agreement”) is entered into on [Date], by and between: Company: [Company Name] Address: [Address] Contact: [Phone… Investor Rights Agreement Template: Info, Registration & Voting
Convertible Note Purchase Agreement Template This Convertible Note Purchase Agreement (“Agreement”) is entered into on [Date], by and between: Company (Issuer): [Company Name] Address: [Address] Pho… Convertible Note Purchase Agreement: Valuation, Interest & Cap
Equity Grant Agreement Template This Equity Grant Agreement is made on [Date] by and between: Company: [Company Name] Address: [Address] Recipient: [Full Name] Address: [Address] Grant… Equity Grant Agreement Template: Vesting, Rights and Terms
Stock Power Template For Value Received, the undersigned hereby sells, assigns, and transfers the shares described below and irrevocably appoints [Transfer Agent Name, if… Stock Power Template: Share Transfer and Endorsement Terms
Lost Stock Certificate Affidavit Template State of [State] County of [County] Before me, the undersigned authority, personally appeared [Affiant Full Name], who, being duly sworn, states as… Lost Stock Certificate Affidavit Template: Replacement Terms
Stock Option Exercise Notice Template To: [Company Name] Attention: [Stock Administration / Legal Department / Corporate Secretary] Address: [Address] Email: [Email Address] From: [Option… Stock Option Exercise Notice Template: Election and Shares
Offering Memorandum Template [Issuer Name] [Issuer Address] [City, State, ZIP Code] [Issuer Email] [Issuer Phone Number] Date: [Date] Offering Name: [Name of Offering, if applicable] Ref… Offering Memorandum Template: Private Placement Terms Guide
SAFE Agreement Template This SAFE Agreement (“Agreement”) is entered into on [Date], by and between: Company (Startup): [Full Legal Name / Company Name] Address: [Address] Conta… SAFE Agreement Template (Simple Agreement for Future Equity)
SAFT Agreement Template This Simple Agreement for Future Tokens (“Agreement” or “SAFT”) is entered into on [Date], by and between: Company: [Company Name] Address: [Address] Con… SAFT Agreement Template (Simple Agreement for Future Tokens)
Option Exercise Agreement Template This Option Exercise Agreement is made on [Date] by and between: Company: [Company Name] Address: [Address] Option Holder: [Full Name] Address: [Address] B… Option Exercise Agreement Template: Shares, Price and Terms
This Fractional Ownership Agreement (“Agreement”) is entered into on [Date], by and among: Owner 1: [Full Name or Entity Name] Address: [Address] Email… Fractional Ownership Agreement Template
Restricted Stock Agreement Template This Restricted Stock Agreement (“Agreement”) is entered into on [Date], by and between: Company: [Company Name], a [State/Country] corporation Address… Restricted Stock Agreement Template: Vesting and Rights
Other Financial Documents
Credit Application Form Template [Creditor/Lender Name] [Address] [Phone] [Email] [Website] Application Date: [MM/DD/YYYY] Application Type: [Individual / Joint / Business] Applicant Infor… Credit Application Form Template: Terms & Authorization
This Insurance Assignment Agreement (Assignment of Benefits) (“Agreement”) is entered into on [Date], by and between: Assignor / Policyholder /… Insurance Assignment Agreement (Assignment of Benefits) Template
Credit Information Request Template From (Requester): Name/Company: __________________________ Address: __________________________ Email: __________________________ Phone: __________________… Credit Information Request Template: Authorization Form
Beneficiary Designation Form Template Account Owner / Policyholder: [Full Name] Address: [Address] City, State, ZIP Code: [City, State, ZIP Code] Email: [Email Address] Phone: [Phone Number] Da… Beneficiary Designation Form Template: Primary and Backup
Profit and Loss Statement Company Name: [Company Name] Period Covered: [Month/Quarter/Year Ending Date] Revenue Sales Revenue: $[Amount] Service Revenue: $[Amount] Other Revenue… Profit and Loss Statement Template: Income and Expenses
This Bookkeeping Engagement Letter (the “Agreement”) is entered into as of [Effective Date] by and between: Client: [Client Legal Name], address… Bookkeeping Engagement Letter Template
About
What are financial agreements?
A financial agreement puts a money arrangement in writing: who pays whom, how much, on what schedule, and what happens if a payment is missed. The category spans loans between individuals and businesses, promissory notes, installment plans, guarantees, authorizations to charge an account, and the documents founders and investors sign when money changes hands for equity.
People reach for these templates at predictable moments — lending to a family member, letting a customer pay over time, restructuring a debt that has gone sideways, or closing a funding round. A signed document keeps expectations aligned while the relationship is friendly, and becomes the record everyone relies on if it stops being friendly.
Guide
Which financial agreement do you need?
You're lending money and want a simple, signed promise to repay Promissory Note
You're making a loan with interest, a schedule, and default terms Personal Loan Agreement
An existing loan needs new terms, rates, or payment dates Loan Modification Agreement
A customer or debtor will pay in installments Payment Agreement
You want a written admission of a debt before setting a plan Debt Acknowledgement Agreement
You're forgiving all or part of what someone owes Loan Forgiveness Agreement
Someone is guaranteeing another person's or company's debt Guaranty Agreement
You need consent to debit a bank account or charge a card ACH Authorization Form or Credit Card Authorization
Funds should sit with a neutral party until conditions are met Escrow Agreement
You're closing an early-stage investment Convertible Note Purchase Agreement or SAFE Agreement
You're splitting profits or revenue with a partner Profit Split Agreement
By state
Do these templates vary by state?
Several of the most-downloaded templates here — payment agreements, promissory notes, loan agreements, and authorization forms — also come in state-specific versions, linked in the compact rows under each parent template. The substance is the same; state versions adjust formalities such as document names, notarization habits, and signature blocks so the paperwork looks the way local parties expect.
FAQ
Frequently asked questions
How do I choose the right financial agreement template?
Match the document to the money flow. A one-time loan usually calls for a promissory note or loan agreement; ongoing payments call for a payment plan; permission to charge an account calls for an authorization form. The guide above maps the most common situations, and each group collects closely related variants side by side.
How does AI Lawyer customize these templates?
The AI generator asks a short set of questions — parties, amounts, interest, payment schedule, collateral, and what happens on default — then drafts the agreement around your answers. You can edit any clause directly, tighten or soften terms, and regenerate sections until the document reads exactly the way you want.
What format do I get when I download a template?
Every template comes as an editable draft you refine in the app, then export for signing or printing — as a PDF or a word-processor file. Nothing is locked: amounts, schedules, and clauses stay editable until you export the final version.
Should a lawyer review my agreement before signing?
For routine, low-stakes arrangements, many people sign template-based agreements as-is. When the amount is significant, collateral or personal guarantees are involved, or the document is part of an investment round, a review by a licensed attorney is worth the cost. Templates give you a strong draft; they are not legal advice.
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