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Loan Agreement
This Business Loan Agreement ("Agreement") is entered into on 12 November 2025 between AINA Financial Services Ltd ("Lender") and Smith's Artisan Café Ltd (Company Number: 12345678) ("Borrower").
1. Loan Amount: The Lender agrees to provide a loan of £150,000 (One Hundred Fifty Thousand Pounds Sterling) to the Borrower.
2. Interest Rate: The loan shall bear interest at a fixed rate of 4.5% APR (Annual Percentage Rate).
3. Repayment Terms: The Borrower shall repay the loan over 36 months in monthly instalments of £4,440. Total amount repayable: £159,840.
4. Purpose: The loan proceeds shall be used exclusively for business expansion - specifically opening a second café location in Dalston, London.
5. Security: This loan is secured by a personal guarantee from the director(s) and a charge over business assets as detailed in Schedule A.
6. Early Repayment: The Borrower may repay the loan in full or in part at any time without penalty.
7. Default: In the event of default, the Lender reserves the right to accelerate the loan and pursue collection according to applicable law.
Legal Confirmations
Required
I confirm that I have read and understood the loan agreement terms and conditions in full.
I confirm that all information provided in this application is true, accurate, and complete to the best of my knowledge.
I understand that this is a legally binding agreement and that I am personally liable for repayment as a director.
I consent to AINA performing credit checks and monitoring my business performance throughout the loan term.
Your Signature
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Signer Name:
John Smith
Company:
Smith's Artisan Café Ltd
Date & Time:
12 Nov 2025, 14:38
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