Custom legal document

Drafting loanagreementa

Have it drafted, amended, or reviewed by our legal experts and/or lawyers starting from 99
SME Lawyers

Do not hastily put this document together yourself — a false sense of security is harmful.
Have a specialist screen it and be in a stronger position when it matters.

  • Truly Tailor-Made Legal Solutions
  • Fixed rates
  • Pay later after draft
  • Free adjustment round
  • Delivered within 5 working days
  • Express delivery possible
  • Available in Dutch and English

How does it work?
Our services include a free consultation, a draft document, a revision round, and a final document. We invoice after sending the draft document.

Experience with legal services for entrepreneurs since 2001
Lawyers and legal professionals.Direct contact with a specialist who thinks practically.
Fixed rates.Where possible, clarity regarding costs in advance.
Within 4 hoursWe respond quickly to your request.
  • We worked for, among others:
  • MKBjuristen.nl partner
  • MKBjuristen.nl partner
  • MKBjuristen.nl partner
  • MKBjuristen.nl partner

We worked for, among others:

An incorrect document often provides a false sense of security.
You think everything is taken care of, but only discover whether the document actually works during a conflict or claim.

1

Free intake

We discuss your company, the purpose of the document, and the key risks.

2

Draft or check

We draft a custom document or review your existing document legally.

3

Final version

You will receive a final version with instructions on correct usage.

Mr. Jaime Boogaers
Mr. Jaime Boogaers
Corporate Law
Attorney, 16 years of experience

A legal document must not only be legally correct. Above all, it must align with how the entrepreneur will actually use the document

  • Lawyers and in-house counsel
  • Active since 2001
  • Affordable custom legal services
  • Always focused on practical use

Choose Tailored Legal Solutions

Choose whether you want to have the document drafted, checked, or modified. Prices and options vary per document.

From 99
Customization
from 99.- per document

Do you already have a document, but are unsure if it is still correct? We check content, risks, and practical usability.

from 249.- per document

Is your document outdated, copied, generated with AI, or no longer suitable? We check and adjust the document.

About us

Our expertise

Our lawyers and in-house counsel specialize in drafting, reviewing, and amending legal documents and contracts. We look not only at the legal text but also at how you use the document in practice.

Custom solutions for your industry

Every business operates differently. That is why we take your industry, customers, working methods, and specific risks into account.

Our facts

  • Active since 2001
  • Lawyers and in-house counsel
  • Fixed rates in advance
  • Tailored legal solutions for entrepreneurs
  • Thousands of agreements per year
  • Customization
  • About us
from 99.- per document

Do you already have a document, but are unsure if it is still correct? We check content, risks, and practical usability.

  • Our legal expert spends 0.5 to 1.5 hours on the check
  • Telephone intake with a lawyer
  • Checks on content, risks, and practical usability
  • Attention to liability, payment, and termination
  • Concrete points for improvement and legal advice
  • Delivered within 3 working days, express delivery possible
from 249.- per document

Is your document outdated, copied, generated with AI, or no longer suitable? We check and adjust the document.

  • Our legal expert spends 1.5 to 2.5 hours checking and making adjustments
  • Telephone intake with a lawyer
  • Verification of the existing document
  • Adaptation to your business and working methods
  • Suitable for new services, customers, or risks
  • Delivered within 5 working days, express delivery possible

About us

Our expertise

Our lawyers and in-house counsel specialize in drafting, reviewing, and amending legal documents and contracts. We look not only at the legal text but also at how you use the document in practice.

Custom solutions for your industry

Every business operates differently. That is why we take your industry, customers, working methods, and specific risks into account.

Our facts

  • Active since 2001
  • Lawyers and in-house counsel
  • Fixed rates in advance
  • Tailored legal solutions for entrepreneurs
  • Thousands of agreements per year

Reviews (21)

Esther

The lawyer got straight to the heart of the matter. It was pleasant that what was important was explained in plain language. A party that delivers on what it promises on its website.

Hans

We were immediately assigned a dedicated contact person, which worked very well. The corrections were always implemented lightning-fast in the new version. A company that delivers on what it promises on the website.

Bert

Smooth communication and a clear proposal in the mailbox immediately. We greatly appreciated the pragmatic approach to resolving the bottlenecks. Our customers respond positively to the clear general terms and conditions.

Zoe

The lawyer took a practical approach with our company. The fixed price upfront instilled confidence. These documents will undoubtedly save us a lot of headaches in the future.

Marouane

We didn't feel like a number, but received truly personal attention. We didn't have to figure out much ourselves. The quality fully met our expectations.

Bram

The intake was personal and concrete. They managed to get a stalled negotiation moving again by proposing a smart compromise. These documents will undoubtedly save us a lot of headaches in the future.

Sharon

The document aligned well with our wishes. They managed to get a stalled negotiation moving again by proposing a smart compromise. The final result meets our high standards 100%.

Ikram

The process started immediately after our agreement, without delays. The fee structure was transparent, so we knew exactly where we stood during the process. The document was flawlessly accepted by our investors.

Asmae

The initial meeting confirmed that we had made the right choice. They managed to reduce an extremely tough file to manageable proportions. The end result aligns 100% with our high standards.

Ziad

We immediately got the right expert on the line for our specific problem. The lawyer was not afraid to be critical of our own initial plans, which saved us from mistakes. The service was professional and personal.

Yasmina

The energetic and positive attitude of the employees was immediately noticeable. The sharp review of the lease agreement protected us from unfavorable clauses. Our business partners were impressed by the professionalism of the contracts.

Sander

Things moved quickly and the work was carried out meticulously. We found the telephone intake particularly valuable. Our business partners were impressed by the professionalism of the contracts.

Kevin

Our company was carefully inquired about. The guidance during the drafting of the general terms and conditions was invaluable. The quality fully met our expectations.

Mirjam

The contact felt professional and approachable. The feedback we received on our own concept was incredibly insightful and useful. A reliable partner striving for perfection in their documents.

Niels

The lawyer took the time to explain everything thoroughly. The content was a good fit for our company. A party that delivers on what they promise on their website.

Anas

The intake felt like a genuine consultation rather than a sales pitch. The agreements were properly honored. The service was professional and personal.

Evelien

The review of the document was thorough. The lawyer's patience in explaining the liability clauses was admirable. These documents will undoubtedly save us a lot of headaches in the future.

Femke

We had many questions, but these were answered patiently and promptly. The adjustments were logical and carefully incorporated. Everything was delivered neatly and on time.

Mounir

We quickly received a clear and competitive quotation. We were excellently guided through the maze of current laws and regulations. The document was flawlessly accepted by our investors.

Marieke

The flexibility in scheduling an appointment was very pleasant. The atmosphere during the meetings was always relaxed but highly focused on results. A party that delivers on what it promises on its website.

Inge

We quickly received the right guidance in a legal landscape unfamiliar to us. Throughout the process, we were constantly kept well informed of the progress. The final result aligns 100% with our high standards.

Meet our office

Our ContractCheck, simply explained what can all go wrong.

Why MKB Juristen?

Since 2001, we have been active as a no-nonsense legal firm for entrepreneurs. We quickly get to the heart of the matter: with a thorough assessment, clear answers, and a document that works practically.

  • Nationwide coverage
  • First consultation free and without obligation
  • Fixed rates where possible
  • Affordable legal advice from lawyers and legal experts
  • Always a response within 4 hours

First, see how we work

A legal document requires trust. You see immediately who we are, how we help entrepreneurs, and why we do not work with standard templates.

  • You can view our working method before submitting an application
  • You will get a feel for the office and the people faster
  • The video supports the choice for customized legal solutions
  • After that, you can immediately request a quote or intake

What you can expect from us

We translate your situation into a legal document that you can actually use. You won't receive a loose template, but a document tailored to your business, agreements, and risks.

  • A clear roadmap: intake, concept, revision round, and final version
  • Practical explanation on how to use the document
  • Legal attention to liability, payment, and termination
  • Where possible, provide clarity in advance regarding price and delivery time
Are you unsure whether you should have the document drafted, checked, or amended?
During the initial consultation, we will determine the sensible course of action together. Afterward, you will know exactly where you stand.

Why customization?

A legal document only works well if it aligns with your business, agreements, risks, and industry. That is why we do not work with a standard generator, but with legal experts who assess your situation.

  • Prepared for your company
  • Telephone consultation included
  • No standard template
  • Review by legal specialists

What do you get?

You will receive a legal document that is practical and aligns with the agreements you wish to make.

  • Draft document or legal review
  • One adjustment round
  • Clear explanation where necessary
  • Fixed price where possible

The founders of MKB Juristen

Our organization consists of several small teams working within various legal fields. Each legal field has its own senior in-house counsel and/or lawyers.

Denian Wielhouwer

Corporate lawyer in corporate law & business expert

Denian Wielhouwer

Annelore Hendriks

Corporate lawyer, corporate law, administrative law

Annelore Hendriks

Ilja van Driel

Corporate law attorney, employment law

Ilja van Driel

Jaime Boogaers

Corporate law, ICT & privacy law, energy law attorney

Jaime Boogaers
Custom choices

Which choices determine the content?

The form of the loan depends on a number of key choices. These determine how strict and extensive the agreement must be.

Choice or question Why this matters legally
Is interest charged? For business loans and loans between the director-major shareholder and his private limited company, a commercial interest rate is virtually mandatory; an interest-free loan can have tax implications.
How is repayment made? Sudden at the end, in fixed installments or on an annuity basis; this determines the cash flow and the repayment schedule.
Are guarantees needed? For larger amounts, pledge, mortgage, or suretyship can limit the risk of non-repayment.
What happens in the event of non-payment? Determine the consequences of default in advance: immediate enforceability, default interest, and collection costs.
Is early repayment allowed? Stipulate whether the borrower may repay early without penalty, so that no disputes arise regarding this later.
Clauses and provisions

Which components belong in a loan agreement?

A comprehensive loan agreement regulates not only the amount, but also how and when it is repaid and what happens in the event of problems. The components below together form the core of the document.

Provision Relevant to Legal point of attention
Principal and currency Always The exact borrowed amount and the date of payment determine the scope of the repayment obligation.
Interest For business or long-term loans Fixed or variable interest rate; for loans between business parties or DGA-BV, the interest rate must be market-conform (arm's length).
Repayment schedule Always Method of repayment: in a lump sum, in installments, or annuity, with specific dates and amounts.
Duration and end date Always The period within which repayment is made; if missing, enforceability may become unclear.
Enforceability and default Always When the entire debt becomes immediately due and payable, for example in the event of missed installments, bankruptcy, or death.
Guarantees For higher amounts or risk Pledge, mortgage, or suretyship that guarantees repayment.
Early repayment Optional Whether and under what conditions the borrower may repay early, possibly with or without a penalty.
Applicable law and disputes Recommended Choice of Dutch law and the competent court in the event of a conflict.
Use in practice

How do you use this document correctly?

A good agreement only works if you apply it correctly. Follow these steps to keep the agreements watertight.

Situation What should you do? Point of attention
For payment Have both parties date and sign the agreement A signed document provides conclusive evidence of the agreements.
Upon payment Transfer the principal amount in a traceable manner (bank transfer, no cash) A bank statement proves that the money was actually provided.
During the term Keep administrative records of repayments and interest payments This is how you demonstrate that the loan is executed for business purposes, including to the Tax Authorities.
In case of change or arrears Record deviating agreements in writing in an addendum Verbal adjustments are difficult to prove and undermine the original agreements.
Common mistakes

Common mistakes

In practice, things often go wrong on a handful of points. By avoiding these mistakes, you prevent unnecessary conflicts and tax surprises.

Wrong Consequence Better approach
Don't put anything on paper In the event of default, it is difficult to prove that the money was borrowed and under what conditions Always draw up a written, signed agreement.
No interest or a commercial interest rate on a business loan The Tax and Customs Administration can reclassify the loan or assume a disguised payment Agree on a market-rate, commercial interest rate and lock it in.
No repayment schedule Uncertainty regarding when repayment is due and when default occurs Include concrete repayment dates and amounts.
Enforceability not arranged You cannot simply claim the full debt in the event of problems Clearly state when the loan is immediately callable.
No guarantees with a large amount In the event of the borrower's bankruptcy, you may lose the entire principal amount Control the risk with a pledge, mortgage, or surety.
Risk profile

What is your situation and what do you pay attention to?

The right emphasis varies depending on the situation. If you recognize your case, you know where the focus should be.

Risk profile Example Focus in the document
Loan between family or friends Trust prevails, but agreements often remain vague Clearly define the conditions here precisely to protect relationships.
Loan from Director-Major Shareholder to own Private Limited Company (or vice versa) Current account loan or formal loan Apply an arm's length interest rate and conditions to avoid tax reclassification.
Loan to an enterprise at risk The borrower may get into financial trouble Require collateral and arrange for immediate enforceability in the event of default.
Large or long-term loan A high amount or long term increases the risk Agree on collateral, interim enforceability, and clear repayment.
Additional documents

When is this document not enough?

Sometimes more than a simple loan is involved. In those cases, you need an additional or different document.

Situation Supplementary document Why
Situation Related document Explanation
The borrower consistently fails to pay and you want to collect Debt collection In the event of continued non-payment, you can have the claim collected or enforce it through legal proceedings.
The loan is linked to agreements between shareholders Shareholders' Agreement Financing within a private limited company is often arranged in conjunction with the agreements between shareholders.
The loan is part of a broader collaboration Cooperation Agreement Document the collaboration and mutual obligations alongside the financial agreements.
Explanation of this document

Drafting a loan agreement, why?

Not every entrepreneur knows exactly what loan agreements are, when they are needed, and which risks they must cover. Therefore, we explain below what this document entails, what to look out for, and why customized legal solutions are important.

What is a loan agreement?
A loan agreement is the agreement whereby one party—the lender—makes a sum of money available to the other party—the borrower—with the obligation for the borrower to repay the amount at an agreed time or upon the fulfillment of a specific condition, whether or not increased by interest. The loan agreement is regulated in Section 7.2B of the Dutch Civil Code. In business practice, a loan agreement is concluded for loans between shareholders and their company, for loans between affiliated companies within a group, for loans from friends or family members to a start-up entrepreneur, for shareholder loans as an alternative to share capital, and for business loans between enterprises as an alternative to bank financing. Our lawyers draft a loan agreement for you that respects the tax requirements for shareholder loans, sets the interest rate in accordance with market rates, correctly arranges the collateral, and addresses the Pauliana risks in the event of future insolvency.
What tax requirements apply to shareholder loans to one's own private limited company?
A shareholder lending money to their BV enters into a loan agreement that must meet the tax requirements of arm's length. The Tax and Customs Administration assesses shareholder loans on three points: a market-rate interest, an arm's length repayment structure, and adequate collateral. If the loan does not meet these arm's length requirements, the Tax and Customs Administration may reclassify the loan as an informal capital contribution — the interest is then not deductible for the BV, and the shareholder cannot recover the loan without incurring tax. A particular point of attention: the director-major shareholder (DGA) providing a loan to their BV must classify this as result from other activities or as income from capital, depending on the circumstances. As of January 1, 2023, the Excessive Borrowing from Own Company Act is in force: DGAs who borrow more than €700,000 from their BV are taxed on the excess amount in Box 2. Our lawyers draft a shareholder loan agreement that is structured correctly for tax purposes.
How do you arrange the interest in the loan agreement?
The interest clause is one of the most defining elements of a loan agreement. In the case of an interest-free loan—commonly used between related parties—it must be assessed whether there are tax consequences for both the lender and the borrower: an interest-free loan from a shareholder to their BV may qualify as an informal capital contribution at the market rate. The agreement must explicitly specify the interest rate, the method of calculation, and the timing of interest payment. For consumer credit, the statutory maximum percentage applies. For business loans, the interest rate is freely determined, but market conformity must be plausible in the case of loans between related parties. Your loan agreement must also regulate the consequences of late interest payment: Article 6:119a of the Dutch Civil Code for commercial interest or a contractually higher interest rate. Our lawyers draft an interest clause that is fiscally and legally correct.
How do you arrange collateral and your position in the event of bankruptcy?
An unsecured loan agreement leaves the lender with only the position of an unsecured creditor in the event of the borrower's bankruptcy — they rank behind preferred creditors and secured creditors. Your loan agreement must specify the securities the lender receives to protect their position: a pledge on the borrower's assets or receivables, a mortgage on real estate, or a guarantee from a third party. The agreement must also address the Pauliana risks : if the borrower goes bankrupt shortly after granting the loan, the bankruptcy trustee may challenge the loan as a transaction that has prejudiced the other creditors. An arm's length declaration and a market-rate interest strengthen the lender's position. Our lawyers draft a loan agreement that provides maximum protection for the lender's position in the event of insolvency.
How does it work at MKBjuristen?
After a brief intake, our lawyers map out the parties, the loan amount, the term, the interest rate, the collateral, and the tax structure. Based on this, we draft a loan agreement that is structured in accordance with market standards, complies with tax requirements, correctly records the collateral, and addresses Pauliana risks. We also advise you on the tax treatment of the loan for both the lender and the borrower.
Are you unsure whether your document is legally correct? We would be happy to assess the sensible course of action: drafting, reviewing, or amending.
Request a quote

Why not use a standard document?

A standard document often seems like a quick solution, but usually does not fully align with your company, agreements, risks, and way of working. Our legal experts draft documents that fit your situation.

Standard document
SME Lawyers
Not tailored to your business
Tailored to your company, industry, and working methods
No control over your specific situation
Consultation with a lawyer and assessment of your risks
Possibly outdated or incomplete
Verification of current and practical provisions
No personal explanation
Explanation regarding the use of the document

A standard document seems cheap, until it doesn't fit your situation properly. That is why we provide custom legal solutions tailored to your business.

Custom solutions per industry and company

Every business operates differently and faces different legal risks. Therefore, we tailor the document to your industry, customers, agreements, and way of working.

Webshops & e-commerce

Focus on online sales, delivery, returns, complaints, payment, digital products, and consumer regulations.

Business services

Attention to the assignment, additional work, liability, payment, termination, and reliance on client information.

Construction, installation & execution

Attention to planning, delivery, warranties, additional work, materials, delays, and liability risks.

Software, SaaS & digital services

Attention to licenses, availability, support, updates, data, intellectual property, and limitation of liability.

Trade, supply & wholesale

Attention to delivery, transport, payment, retention of title, warranties, delivery times, and international agreements.

Consultants, freelancers & advisors

Attention to scope, best efforts obligations, cancellation, payment, liability, and confidential information.


A legal document only has value if it suits your practice. That is why we look not only at the text, but also at how you use the document in your business.

Common mistakes with legal documents

A legal document often seems simple, but small errors can have major consequences later on. In practice, we see that entrepreneurs run the greatest risk when a document does not align well with their business, agreements, or way of working.

  • Using a standard document that does not suit the company
  • Forgot important agreements regarding payment, delivery, liability, or termination
  • Have a document generated without legal review
  • Continuing to use old documents while the company has changed
  • Not knowing how the document should be used correctly in practice

A legal document only prevents problems if it suits your situation. That is why we look not only at the text, but also at your company, agreements, and risks.

Why is a standard document often not enough?

Because a standard document does not take into account your industry, customers, risks, and specific agreements, important provisions may be missing or not align well with your practice.

Can I create a legal document myself using AI?

AI can assist in creating text, but does not independently assess whether the document is legally appropriate, complete, and usable for your business. Legal review therefore remains important.

When do I need to have my document checked?

Have your document checked if your business has changed, you have new customers or services, you have doubts about existing agreements, or the document has not been updated for a long time.

Will I also receive an explanation about the use of the document?

Yes. We explain how to use the document in practice, what to look out for, and which steps are important to prevent disputes afterwards.

Contact us

Annelore Hendriks

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SME Lawyers at the Chamber of Commerce Source: Chamber of Commerce 2019
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