tiktok˰

Loan With Collateral Agreement for Australia

Loan With Collateral Agreement Template for Australia

This is a comprehensive legal agreement governed by Australian law that establishes the terms and conditions of a secured loan arrangement between a lender and borrower. The document details the loan amount, interest rates, repayment terms, and most importantly, the collateral provided as security for the loan. It includes provisions for the creation and registration of security interests under the Personal Property Securities Act 2009 (Cth), enforcement rights, borrower obligations, and default remedies. The agreement ensures compliance with Australian lending regulations, including the National Consumer Credit Protection Act 2009 where applicable, and provides protection for both the lender's security interest and the borrower's rights.

Your data doesn't train Genie's AI

You keep IP ownership of your information

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Download a Standard Template

4.6 / 5
4.8 / 5
Access for free
OR

Alternatively: Run an advanced review of an existing
Loan With Collateral Agreement

Let tiktok˰'s market-leading legal AI identify missing terms, unusual language, compliance issues and more - in just seconds.

What is a Loan With Collateral Agreement?

The Loan With Collateral Agreement is a crucial legal document used in Australian financing transactions where a lender provides funding secured against specific assets of the borrower. This agreement is essential when parties seek to establish a formal lending relationship with security arrangements, commonly used in both commercial and consumer contexts. The document must comply with Australian federal legislation, including the Personal Property Securities Act 2009 (Cth) for security registration and the National Consumer Credit Protection Act 2009 (Cth) for consumer loans. It's particularly relevant in situations where lenders require protection for their financial exposure through security over specific assets, whether those are physical assets, accounts receivable, or other valuable property. The agreement includes comprehensive details about the loan terms, security arrangements, obligations of all parties, enforcement rights, and compliance requirements.

What sections should be included in a Loan With Collateral Agreement?

1. Parties: Identifies and defines the Lender and Borrower with full legal names and addresses

2. Background: Explains the context of the loan agreement and the parties' intention to enter into a secured lending arrangement

3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes interpretation rules

4. Loan Amount and Purpose: Specifies the loan amount, purpose, and any conditions precedent to drawdown

5. Interest and Repayment Terms: Details the interest rate, calculation method, repayment schedule, and payment mechanisms

6. Collateral: Describes the assets provided as security, creation of security interest, and PPSR registration requirements

7. Representations and Warranties: States the Borrower's declarations regarding their legal capacity, ownership of collateral, and financial condition

8. Borrower Covenants: Lists ongoing obligations of the Borrower, including maintenance of collateral and financial reporting

9. Events of Default: Defines circumstances constituting default and consequences thereof

10. Enforcement Rights: Details the Lender's rights and remedies upon default, including collateral seizure and sale

11. Costs and Expenses: Allocates responsibility for legal fees, registration costs, and enforcement expenses

12. Notices: Specifies how formal communications between parties should be made

13. General Provisions: Contains standard clauses on governing law, assignment, amendments, and severability

What sections are optional to include in a Loan With Collateral Agreement?

1. Guarantor Provisions: Required when a third party guarantees the loan, detailing guarantor obligations and rights

2. Insurance Requirements: Needed when specific insurance coverage for the collateral is required

3. Multiple Collateral Provisions: Used when multiple assets are provided as security, detailing priority and release conditions

4. Cross-Collateralization: Required when the collateral secures multiple loans or obligations

5. Special Purpose Vehicle Provisions: Needed when the Borrower is a special purpose vehicle, including additional covenants

6. Subordination Provisions: Required when there are multiple lenders or security interests requiring priority arrangements

7. Early Repayment Terms: Optional section detailing conditions and penalties for early loan repayment

What schedules should be included in a Loan With Collateral Agreement?

1. Schedule 1 - Loan Details: Contains specific loan terms, amounts, interest rates, and repayment schedule

2. Schedule 2 - Collateral Description: Detailed description of all assets provided as security, including serial numbers and locations

3. Schedule 3 - Repayment Schedule: Amortization table showing payment dates, amounts, and principal/interest breakdown

4. Schedule 4 - Condition Precedent Documents: List of documents required before loan drawdown

5. Schedule 5 - Required Insurance: Details of required insurance coverage for the collateral

6. Appendix A - Form of Drawdown Notice: Template for Borrower to request loan disbursement

7. Appendix B - Form of Compliance Certificate: Template for periodic confirmation of compliance with loan terms

Authors

Alex Denne

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

Jurisdiction

Australia

Publisher

tiktok˰

Document Type

Finance Agreement

Cost

Free to use
Relevant legal definitions




















































Clauses







































Relevant Industries

Banking and Financial Services

Real Estate

Manufacturing

Agriculture

Construction

Retail

Technology

Transportation and Logistics

Healthcare

Education

Mining and Resources

Small Business

Professional Services

Relevant Teams

Legal

Finance

Credit

Risk Management

Compliance

Commercial Banking

Corporate Banking

Operations

Business Development

Collections

Document Management

Security Administration

Relevant Roles

Chief Financial Officer

Finance Manager

Credit Manager

Risk Manager

Legal Counsel

Commercial Lawyer

Loan Officer

Credit Analyst

Compliance Officer

Business Development Manager

Account Manager

Corporate Banking Manager

Security Trustee Officer

Collections Manager

Contract Administrator

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

Find the exact document you need

Evergreen Loan Agreement

An Australian law-governed perpetual loan facility agreement establishing an ongoing credit arrangement with automatic renewal provisions.

find out more

Personal Car Loan Contract

An Australian-law governed loan agreement for personal vehicle financing, compliant with national consumer credit legislation.

find out more

Cash Loan Simple Loan Agreement

An Australian-law governed agreement establishing terms and conditions for a monetary loan between a lender and borrower, compliant with national credit protection regulations.

find out more

Generic Loan Agreement

An Australian law-governed agreement establishing the terms and conditions for a loan between parties, including amount, interest, repayment terms, and security arrangements.

find out more

Term Loan Agreement Non Regulated

An Australian law-governed agreement for a fixed-term commercial loan facility, setting out terms and conditions for business lending outside consumer credit regulations.

find out more

Simple Equipment Loan Agreement

An Australian-compliant agreement governing the temporary loan of equipment between parties, including terms, conditions, and responsibilities.

find out more

Model Loan Agreement

An Australian-compliant template loan agreement covering essential lending terms and regulatory requirements for use in commercial and consumer lending contexts.

find out more

Facility Loan Agreement

An Australian law-governed agreement establishing terms and conditions for a loan facility, including facility amount, interest rates, repayment terms, and security arrangements.

find out more

Computer Equipment Loan Agreement

An Australian-law governed agreement establishing terms for temporary computer equipment loans, including usage conditions, maintenance responsibilities, and return procedures.

find out more

Standard Loan Agreement

An Australian-law governed agreement establishing terms for financial lending, including loan amount, interest, repayment terms, and security arrangements.

find out more

Master Securities Loan Agreement

An Australian law-governed agreement template for securities lending transactions between financial institutions, establishing terms for securities loans and collateral arrangements.

find out more

Film Equity Investment Agreement

Australian-law governed agreement for equity investment in film production, establishing investment terms, rights, and revenue sharing arrangements.

find out more

Co Financing Agreement

An Australian law-governed agreement establishing terms for multiple lenders to jointly provide financing to a borrower, subject to Australian banking and corporate regulations.

find out more

OverFacility Agreement

An Australian-law agreement establishing an overdraft facility between a financial institution and borrower, detailing credit limits, terms, and obligations.

find out more

Investment Loan Contract

An Australian law-governed agreement establishing terms and conditions for investment financing, including loan details, security arrangements, and regulatory compliance requirements.

find out more

Tripartite Loan Agreement

An Australian-law governed agreement establishing a three-way lending arrangement between a lender, borrower, and third party, detailing loan terms and party obligations.

find out more

Loan And Mortgage Agreement

An Australian law-governed agreement establishing loan terms and mortgage security arrangements over real property, compliant with national credit and property legislation.

find out more

Lease Hire Agreement

An Australian-compliant agreement governing the terms and conditions for hiring assets or equipment, suitable for both business and consumer leasing arrangements.

find out more

Hire Purchase Agreement For Car

An Australian law-compliant agreement for purchasing a vehicle through structured payments, with ownership transferring to the buyer upon final payment.

find out more

Deed Of Accession Loan Agreement

An Australian law-governed deed enabling a new party to join and assume rights and obligations under an existing loan agreement.

find out more

Co Borrower Loan Agreement

An Australian legal agreement establishing terms and conditions for multiple borrowers to jointly obtain and repay a loan, subject to Australian federal and state lending laws.

find out more

Bike Hire Purchase Agreement

An Australian law-governed agreement for the hire purchase of bicycles, establishing payment terms, usage conditions, and ownership transfer upon final payment.

find out more

Bridge Loan Contract

An Australian law-governed agreement for short-term interim financing, establishing loan terms, security arrangements, and repayment conditions.

find out more

Undertaking Loan Agreement

An Australian law-governed loan agreement detailing terms, conditions, and undertakings for financial accommodation between lender and borrower.

find out more

Trade Finance Agreement

An Australian law-governed agreement establishing trade finance facilities between a bank and borrower, detailing products, terms, and security arrangements.

find out more

Separation Financial Agreement

An Australian legal document that formalizes financial arrangements between separating couples under the Family Law Act 1975, detailing asset division and financial responsibilities.

find out more

Seller Financing Car Contract

An Australian contract for selling a vehicle with seller-provided financing, compliant with national consumer credit and state vehicle regulations.

find out more

Real Estate Loan Agreement

An Australian-law governed agreement establishing terms and conditions for a property-secured loan, including lending terms and security arrangements.

find out more

Mezzanine Loan Agreement

Australian law-governed agreement establishing terms for subordinated debt financing, including facility terms, security arrangements, and subordination mechanics.

find out more

Margin Loan Agreement

An Australian-compliant agreement governing margin lending arrangements between a financial institution and borrower, including security provisions and regulatory requirements.

find out more

Loan Swap Agreement

An Australian law-governed agreement for exchanging loan payment obligations between parties, typically involving different interest rates or currencies.

find out more

Loan Note Agreement

An Australian-law governed agreement documenting the issuance of debt securities, setting out terms for borrowing, repayment, and parties' rights and obligations.

find out more

Loan Agreement Between Spouses

An Australian-compliant loan agreement for use between married spouses, documenting loan terms and conditions while ensuring protection under family law.

find out more

Financial Support Agreement

An Australian law-governed agreement establishing terms and conditions for providing financial support between parties, including payment terms, conditions, and compliance requirements.

find out more

Financial Assistance Agreement

An Australian-law governed agreement establishing terms for providing financial assistance, including funding conditions, repayment terms, and party obligations.

find out more

Financial Agreement Between Two Parties

An Australian law-governed agreement establishing financial arrangements between two parties, including payment terms, security provisions, and regulatory compliance requirements.

find out more

Equity Funding Agreement

An Australian-law governed agreement that sets out the terms and conditions for equity investment in a company, including share issuance, investor rights, and governance arrangements.

find out more

Equipment Lease Purchase Agreement

An Australian-compliant agreement combining equipment leasing with a purchase option, allowing businesses to lease equipment with the possibility of ownership.

find out more

Equipment Lease Agreement With Option To Purchase

An Australian law-governed agreement allowing equipment lease with future purchase rights, combining rental flexibility with acquisition options.

find out more

Car Mortgage Agreement

An Australian-law governed agreement creating a security interest over a motor vehicle as collateral for a loan, compliant with national credit and personal property security legislation.

find out more
See more related templates

ұԾ’s Security Promise

Genie is the safest place to draft. Here’s how we prioritise your privacy and security.

Your documents are private:

We do not train on your data; ұԾ’s AI improves independently

All data stored on Genie is private to your organisation

Your documents are protected:

Your documents are protected by ultra-secure 256-bit encryption

We are ISO27001 certified, so your data is secure

Organizational security:

You retain IP ownership of your documents and their information

You have full control over your data and who gets to see it