Private Lending & Loan Arrangements Made Legally Binding

Whether you're lending money to a business partner, funding a family business, or acting as a private lender, it's critical to document the arrangement properly. We draft clear, enforceable loan agreements and security documents that protect your interests and outline exactly how and when repayments will occur.

What’s included

  • Legal advice on structuring the loan (secured or unsecured)

    Drafting of customised loan agreements

    Security documentation to protect repayment (e.g. guarantees, PPSR registrations)

    Interest, repayment, and default clause drafting

    Plain-English explanations of rights and remedies

    Optional registration support (e.g. PPSR, caveats)

🔄 How It Works

  1. Initial Consultation – We discuss the loan terms, the parties involved, and the commercial risks.

  2. Term Collection – We guide you through loan amount, term, interest, repayments, security, and default processes.

  3. Document Drafting – We prepare a comprehensive loan agreement and any related security documents.

  4. Review & Signing – We explain the terms in plain English and help you execute the documents properly.

  5. (Optional) PPSR or Caveat Registration – We can assist with registering a security interest to further protect your position.

Legal Documents We Offer 🧾

  • Loan Agreements (Secured & Unsecured)
    Custom-drafted agreements that set out the loan amount, interest rate, repayment terms, and default remedies.

  • Deeds of Guarantee and Indemnity
    Used to make a third party (e.g. company director) personally liable for repaying the debt if the borrower defaults.

  • General Security Agreements (GSA)
    Allows a lender to register a security interest over a borrower’s assets under the Personal Property Securities Act (PPSA).

  • PPSR Registration Assistance
    We assist with or complete the registration of your interest on the PPSR, giving you priority over other creditors.

  • Promissory Notes
    A simple document confirming the borrower’s promise to repay a loan, usually used for informal or low-risk lending.

  • Caveat Lodgement Support
    In some cases, we assist with lodging a caveat over real property to secure repayment of a loan.

Frequently Asked Questions

  • Yes, but it’s risky. Without registration, you may be an unsecured creditor. We’ll advise on your options and help secure your position.

  • A guarantee is a promise by a third party to repay if the borrower defaults. A security interest gives you rights over specific assets if the borrower defaults.

  • Even if it's a family or friend arrangement, having a proper loan agreement avoids misunderstandings and protects both parties.

  • Can you help if I want to secure the loan against property?