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A Finance Agreement sets out the terms and conditions for lending money or providing credit between parties in Belgium. It spells out how much is being borrowed, the interest rate, repayment schedule, and any collateral requirements. These contracts follow Belgian financial regulations and the Civil Code, particularly regarding consumer protection and interest rate limits.

Beyond the basic loan details, Finance Agreements protect both lenders and borrowers by clearly stating everyone's rights and obligations. They cover important scenarios like early repayment options, default consequences, and dispute re����ֱ�� procedures. Belgian law requires these agreements to be transparent and fair, especially when dealing with consumers or small businesses.

Use a Finance Agreement anytime you're setting up a significant lending arrangement in Belgium - from business equipment financing to real estate development loans. It's especially crucial when dealing with large sums, complex repayment terms, or when multiple parties are involved in the financing structure.

These agreements become essential during mergers and acquisitions, project financing, or when securing working capital for business expansion. Belgian law requires detailed documentation for commercial loans above €25,000, making Finance Agreements mandatory in many business scenarios. They're also vital when dealing with international lenders or when special conditions like variable interest rates or staged disbursements apply.

• Business Loan Contract: Standard commercial financing between companies and banks, typically for business operations or expansion
• Private Money Lending Contract: For individual-to-individual or private investor lending, with specific Belgian tax implications
• Loan And Security Agreement: Includes collateral provisions and asset-backed security arrangements
• Debt Facility Agreement: For flexible, ongoing credit arrangements with multiple drawdown options
• Short Term Loan Agreement: Designed for temporary financing needs under 12 months

• Commercial Banks: Primary lenders who draft and issue Finance Agreements for business loans, mortgages, and credit facilities in Belgium
• Corporate Borrowers: Companies seeking financing for operations, expansion, or specific projects
• Legal Counsel: Internal or external lawyers who review and negotiate terms, ensuring compliance with Belgian financial regulations
• Financial Advisors: Help structure deals and review terms, particularly for complex financing arrangements
• Private Lenders: Individual investors or non-bank institutions offering alternative financing options
• Guarantors: Third parties who provide additional security or guarantees for the financing

• Party Details: Gather full legal names, registration numbers, and addresses of all lenders and borrowers
• Loan Specifics: Document exact amount, interest rate, term length, and repayment schedule
• Security Details: List all collateral, guarantees, or other security arrangements
• Compliance Check: Verify interest rates comply with Belgian usury laws and consumer protection rules
• Template Selection: Use our platform to generate a legally-sound Finance Agreement that meets Belgian requirements
• Custom Terms: Add specific conditions like early repayment options or default consequences
• Internal Review: Double-check all financial calculations and payment terms before finalizing

• Party Identification: Complete legal names, addresses, and registration numbers of all parties
• Loan Terms: Principal amount, interest rate, payment schedule, and duration in accordance with Belgian law
• Security Provisions: Detailed description of collateral or guarantees securing the loan
• Default Clauses: Consequences and remedies for missed payments under Belgian Civil Code
• Interest Calculations: Clear formula complying with Belgian usury laws and consumer protection rules
• Early Repayment: Terms and penalties following Belgian financial regulations
• Governing Law: Explicit reference to Belgian law and jurisdiction for disputes
• Signature Block: Space for dated signatures with proper attestation requirements

A Finance Agreement differs significantly from a Debt Settlement Agreement in several key ways. While both deal with financial obligations, their purposes and applications are quite different under Belgian law.

• Primary Purpose: Finance Agreements establish new lending relationships and set future payment terms, while Debt Settlement Agreements resolve existing debts that have become problematic
• Timing of Use: Finance Agreements are created at the start of a lending relationship, whereas Debt Settlement Agreements come into play when managing existing debt challenges
• Legal Framework: Finance Agreements fall under Belgian banking and lending regulations, while Debt Settlement Agreements operate within debt restructuring and insolvency laws
• Terms and Conditions: Finance Agreements focus on interest rates, repayment schedules, and security arrangements; Debt Settlement Agreements typically involve reduced payments, debt forgiveness, or extended payment terms