Custom legal document

Drafting a loan agreement

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

Don't take a gamble on this: holes in a self-made document have major consequences.
Have a lawyer review it and save yourself doubt, setbacks, and exorbitant costs.

  • 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Is your document outdated, copied, generated with AI, or no longer suitable?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)

Bilal

Our company's specific needs were listened to carefully beforehand. The document was clearly tailored to our working methods. Fantastic value for money for this level of expertise.

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.

Renate

We needed tailored legal solutions quickly and received excellent assistance. The discussion regarding specific non-compete clauses was handled very professionally. Our business partners were impressed by the professionalism of the contracts.

Achraf

It was immediately a constructive and goal-oriented conversation. Additional questions were answered quickly. Our customers respond positively to the clear general terms and conditions.

Floris

Clear agreements and a neat delivery. A perfect balance was struck between protecting our company and not deterring customers. Everything was delivered neatly and on time.

Nassim

The friendly approach immediately put us at ease. The documents were neatly formatted and delivered directly in our house style. These documents will undoubtedly save us a lot of headaches in the future.

Sofiane

We were given the space to tell our entire story without being interrupted. The proactive approach went beyond just the legal framework; the business side was also addressed. Our business partners were impressed by the professionalism of the contracts.

Lars

The contact felt professional and approachable. Their proactive approach to the termination clauses saved us from future problems. Our customers are responding positively to the clear general terms and conditions.

Lisanne

The initial meeting immediately instilled confidence in us. The contract was formulated in such a way that both parties felt good about it. The quality fully met our expectations.

Nina

The promises on the website were fulfilled immediately during the first contact. The process was clear from start to finish. It is clear that they have a passion for entrepreneurship.

Erik

We ran into a complex contractual issue, but were helped quickly. They understood that, as a startup, we have different needs than an established corporate. Everything was delivered neatly and on time.

Sofia

We were pleasantly surprised by the proactive initial approach. The explanation made the document understandable. Our customers are responding positively to the clear general terms and conditions.

Cem

From the initial consultation, it was clear what we could expect. The lawyer always maintained an overview, even when the wish list changed in the meantime. These documents will undoubtedly save us a lot of headaches in the future.

Frank

We had never hired a lawyer before, but this was a very pleasant first experience. They provided not only legal but also practical input. Fantastic value for money for this level of expertise.

Julia

A very smooth onboarding as a new client. The lawyer showed great commitment to safeguarding our interests. The quality fully met our expectations.

Kees

We really appreciated the transparency regarding the costs upfront. The agreements were properly honored. Our customers respond positively to the clear general terms and conditions.

Malika

I was spoken to very kindly on the phone. The translation of our core values ​​into the code of conduct was incredibly well done. A reliable partner that strives for perfection in their documents.

Walid

The first impression was simply excellent. The service felt personal and reliable. The service was professional and personal.

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%.

Milan

From day one, there was open and honest communication. The lawyer pointed out aspects we hadn't considered ourselves. These documents will undoubtedly save us a lot of headaches in the future.

Maysa

A very smooth onboarding as a new client. Throughout the process, we were constantly kept well informed of the progress. Our business partners were impressed by the professionalism of the contracts.

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?

Before drafting the agreement, you make a number of substantive choices. These choices determine which provisions you need and how strict or flexible the agreements are.

Choice or question Why this matters legally
Is the loan interest-bearing or interest-free? For business and related loans, a market-rate interest is often advisable; an interest-free or excessively low interest rate can have tax implications.
Will it be repaid in installments or in a lump sum? Installment repayment gives the borrower breathing room; a lump sum repayment at the end of the term gives the borrower a clear end point.
Are guarantees needed? For a higher amount or greater risk, you can request collateral, a mortgage, or a guarantee to better secure repayment.
Is early repayment allowed? Determine whether the borrower may repay early without penalty or if a fee applies.
What happens in the event of non-payment? Specify when the loan is immediately callable and what interest and costs are due at that time.
Clauses and provisions

Which components belong in a loan agreement?

A sound loan agreement describes not only the amount, but also how and when repayment will be made and what happens in the event of default. The components below together form the core of the document.

Provision Relevant to Legal point of attention
Parties and principal amount Always State who the borrower (lender) and who the borrower (borrower) is, and the exact amount being lent.
Interest With interest-bearing loans Determine the interest rate, the method of calculation, and the payment dates; for business and related loans, a market-rate interest is preferred.
Term and repayment Always Describe when and in which installments repayment will be made, and whether the loan is callable in full (at the end).
Early repayment If desired Determine whether the borrower may repay early and whether a fee or penalty applies.
Enforceability Always Specify the cases in which the loan becomes immediately callable, such as payment arrears, bankruptcy, or suspension of payments.
Guarantees At higher risk Record whether securities are provided, such as a pledge, mortgage, or guarantee.
Absenteeism and consequences Always Rule regarding when the borrower is in default and what consequences that entails, such as statutory or agreed interest due.
Applicable law and disputes Recommended Determine that Dutch law applies and which court has jurisdiction in the event of a dispute.
Use in practice

How do you use this document correctly?

The agreement is only effective if both parties sign it and actually comply with and retain the agreements made.

Situation What should you do? Point of attention
For disbursement of the loan Have both parties sign the agreement before the money is transferred. In this way, the conditions under which the loan is taken out are established in advance, and no disputes are possible afterwards.
By bank transfer Transfer the amount by bank with a clear description (for example, loan in accordance with agreement). The bank transaction statement serves as proof that the loan has actually been granted.
During the term Keep a record of paid interest and repayments. An up-to-date overview prevents uncertainty regarding the remaining balance.
In case of changes to appointments Record every change in writing and have both parties sign it. Verbal changes are difficult to prove and lead to conflicts.
Common mistakes

Common mistakes

With loans, especially between acquaintances or within a group of companies, things often go wrong due to incomplete or missing agreements. The errors listed below are the most common in practice.

Wrong Consequence Better approach
Don't put anything on paper The claim is difficult to prove and may become uncollectible. Always record the loan in writing and have both parties sign it.
Do not agree on a repayment schedule Unclear when and how much needs to be repaid, resulting in conflicts. Include a concrete repayment and term schedule.
No or no commercial interest rate at affiliated parties Risk of tax adjustments or reclassification of the loan. Apply a market-rate interest and document the substantiation.
No enforceability arrangement The borrower cannot intervene quickly in the event of default. Specify concrete situations in which the loan is immediately callable.
No guarantees for a high amount In the event of the borrower's bankruptcy, the lender is left empty-handed. Request appropriate collateral such as a pledge, mortgage, or guarantee.
Risk profile

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

The points of attention vary depending on the situation. Below you will find common cases and what you should definitely be alert to.

Risk profile Example Focus in the document
Loan within the family Lending money to a family member or child, often interest-free or at a low interest rate. Document agreements properly here, and pay attention to tax considerations regarding low or no interest.
Loan to or from one's own private limited company A director-major shareholder lends money to or borrows from his company. Apply arm's length terms and a market-rate interest to avoid tax disputes.
Business loan to an enterprise A company finances (partially) another party. Assess the creditworthiness and consider whether collateral is required.
Loan to a start-up entrepreneur Providing start-up capital with an uncertain return prospect. Agree on a realistic repayment schedule and clearly define what happens in the event of disappointing results.
Additional documents

When is this document not enough?

Sometimes there is more involved than just a loan. In the following situations, you need another document in addition to or instead of a loan agreement.

Situation Supplementary document Why
You borrow money within a partnership with multiple parties Cooperation Agreement When more agreements are involved than just the loan, document the broader cooperation separately.
The loan is linked to shares or a shareholder relationship Shareholders' Agreement Loans between shareholders must also include agreements regarding control and profit in the shareholders' agreement.
The borrower is not repaying and you want to collect Debt collection If repayment is not forthcoming, a debt collection process can help to recover the debt.
Explanation of this document

Drafting a loan agreement, why?

Not every entrepreneur knows exactly what a loan agreement is, when you need them, and which risks they must cover. That is why we explain below what this document entails, what you should look out for, and why customized legal solutions are important.

What is a loan agreement?
A loan agreement is the agreement pursuant to Section 7.2B of the Dutch Civil Code whereby the lender makes a sum of money available to the borrower, who repays the amount at an agreed time or upon the fulfillment of a specific condition, whether or not increased by interest. The loan agreement is the formal legal term for what is also referred to in practice as a loan contract or loan agreement. It is concluded between shareholders and their companies, between businesses, between family members, and in business financing as an alternative to bank lending. A well-drafted loan agreement is essential to safeguard the tax classification of the loan and to protect the position of the lender in the event of insolvency. Our lawyers will 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.
When do you need a written loan agreement?
Under Dutch law, a loan agreement does not need to be concluded in writing to be legally valid — it is consensual and can be agreed upon orally. However, without written documentation, the evidentiary problems in the event of a dispute are significant: how do you prove the amount of the loan, the interest rate agreement, the term, and the repayment structure if the counterparty disputes that a loan was granted or imposes other conditions? Moreover, for loans to or from one's own BV, a written agreement is required for tax purposes to have the loan qualify as a business loan and not as an informal capital contribution or distribution. For loans exceeding €25,000, a written deed is also advisable due to the possibility of registration with the Tax Authorities, which records the date of the loan. Our lawyers always draft a written agreement.
How do you arrange the repayment and the collateral?
The repayment structure determines when and how the loan is repaid: in a lump sum on the maturity date, in equal periodic installments, or based on a repayment schedule. For loans to one's own BV, a realistic repayment schedule is important to support the business purpose of the loan for tax purposes. The security structure determines the lender's recovery position in the event of default or bankruptcy: a pledge on assets, a mortgage on real estate, a shareholder guarantee, or a subordination agreement with multiple creditors. Your loan agreement must also specify the grounds for demand: under which circumstances—default, bankruptcy application, breach of covenants—does the loan become immediately callable? Our lawyers draft a loan agreement that maximizes your recovery position in the event of insolvency.
How does it work at MKBjuristen?
After a brief intake, our lawyers draft a loan agreement that complies with tax requirements, sets the interest rate at market rates, properly arranges the collateral, and addresses Pauliana risks.
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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