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The Informal Loan Agreement is designed for use in Switzerland where parties need to document a lending arrangement without the complexity of a full facility agreement. It complies with the Swiss Code of Obligations while maintaining simplicity and accessibility. This document type is particularly useful for loans between individuals, family members, or small businesses where the relationship between parties is established and trust exists, but documentation is still desired for clarity and legal certainty. The agreement captures essential terms such as loan amount, interest rate, and repayment schedule, while remaining flexible enough to accommodate various lending scenarios. While informal in nature, it creates a legally binding obligation under Swiss law and can be enforced through Swiss courts if necessary.

1. Parties: Identification of the lender and borrower with full names, addresses, and any other relevant contact information

2. Background: Brief context of the loan arrangement and relationship between the parties

3. Definitions: Key terms used in the agreement, keeping it simple and relevant to an informal arrangement

4. Loan Amount: The principal amount being lent, specified in CHF or other agreed currency

5. Interest Rate: The agreed interest rate (if any) and calculation method

6. Repayment Terms: Schedule and method of repayment, including payment dates and amounts

7. Default Provisions: Consequences of missed payments or other breaches

8. Representations: Basic statements about the borrower's ability to repay and the lender's right to lend

9. Governing Law: Confirmation that Swiss law governs the agreement

10. Signatures: Execution block for both parties