Draft a loan agreement that matches the deal being made

This service can suit many common lending arrangements where the main requirement is a properly drafted loan agreement. That may include loans between companies, shareholder or director loans, lending between connected businesses, or private commercial arrangements where the parties want the terms recorded clearly. It can also cover either a secured or unsecured structure, provided the transaction is suitable for a single agreement. If the deal involves multiple lenders, multiple borrowers, separate security documents or more complicated financing mechanics, we may need to scope that as separate work.

Most loan agreements need to deal with the amount being lent, when funds are advanced, whether interest applies, how repayment is made, and what happens if a payment is late or missed. They may also cover early repayment, notices, variation procedures and events of default. If the transaction is secured, the agreement may need wording that reflects the security position as part of the overall deal. The exact drafting depends on the commercial arrangement you have actually reached, not just whether the loan is labelled formal, informal, secured or unsecured.

This page is broader. It is intended for loan agreements generally, including transactions that may be unsecured or may involve security-related wording. The unsecured loan agreement service is narrower and aimed specifically at deals where no assets are being pledged, so the drafting emphasis sits more heavily on the borrower's payment obligations and default wording alone. If you already know the arrangement is definitely unsecured and want a page dedicated to that scenario, the unsecured service may be the better fit. Otherwise, this page works for the wider loan agreement need.

Often, yes. Not every loan follows a simple monthly repayment model, and the agreement can usually be adapted for points such as bullet repayments, deferred repayment dates, interest-free lending, early repayment rights or bespoke instalment timing. What matters is that the commercial terms are settled enough to be reflected clearly in the document. If the structure is still moving, linked to other transaction documents, or unusually complex, we may need to discuss whether the work remains suitable for this service or whether a different scope is needed.

Templates can be useful as a rough starting point, but they often assume a standard lending structure and may not line up with the way your transaction actually works. That can create problems where the loan has special repayment timing, related-party dynamics, security wording, or non-standard default arrangements. A lawyer-drafted agreement is prepared around the actual deal and can address the points most likely to matter if the relationship changes later. It also helps avoid inconsistencies that can appear when a generic form is edited without considering how the clauses work together.

Working with us is simple. Start by submitting an enquiry through our website using the form at the top of this page or on our Get Started page. A legal project manager will review your enquiry within 1 business day and reach out to understand your needs.

They'll send you a fixed fee quote outlining costs, scope, and timing. If you're happy, you can accept and sign our engagement letter online. Once that's done, we'll connect you with an expert lawyer who will complete your project via email, phone, or video chat, with the timing confirmed in your quote.

If you're not looking for help with a specific matter, explore our platform, which offers free templates, tools to get your business set up, and even a free tier to get started. Whether you need legal support or just want to browse resources, we've got you covered.

At Sprintlaw, our pricing is transparent and designed for startups and small businesses. Many one-off legal services, including document drafting and reviews, are provided for a fixed fee with an upfront quote before you proceed.

Prices typically range from £100 to £1,500 depending on the complexity and scope of the work. For ongoing support, Sprintlaw Memberships include options such as legal templates, consultations, a legal helpline and credits for services.

If your project is larger or more complex, we will provide a tailored quote after understanding what you need.

Sprintlaw UK operates fully virtually, with the team working online across the UK to provide support to startups and small businesses nationwide. Many of our team are based in London and often meet at co-working offices, but our operations remain fully digital, ensuring flexibility and efficiency for both our clients and team.