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Shareholder Loan Agreement
Free shareholder loan agreement template — a shareholder lends money to their own corporation, or vice versa, on documented terms.
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This free shareholder loan agreement covers 1. Loan Amount, 2. Interest Rate, 3. Repayment Terms, 4. Documentation, 5. Security (if applicable) with 9 clearly marked [placeholder] fields to fill in — built for small businesses and individuals documenting a loan or expense putting financial terms in writing so both sides have a clear, shared record. Copy it into your own word processor, fill in the placeholders, and review it — or adapt it — before use. It's part of docstoc's free document template library, alongside business, legal, real estate, finance, and HR templates. Every template here is free to copy with no signup required, and each one carries a plain disclaimer: this is a starting point for informational purposes, not a substitute for advice from a licensed professional in your jurisdiction.
Shareholder Loan Agreement
Lender: [ ] Shareholder: [Name] [ ] Company: [Company Name] Borrower: [ ] Company: [Company Name] [ ] Shareholder: [Name] Date: [Date]
1. Loan Amount
Lender agrees to loan Borrower [Amount], for the purpose of [Purpose].
2. Interest Rate
Interest accrues at [Rate]% per year, [at least equal to the applicable federal rate (AFR) if lending to avoid the loan being reclassified as a dividend/distribution for tax purposes].
3. Repayment Terms
[ ] Repaid in [Number] installments of [Amount], beginning [Date]. [ ] Due on demand, with [Notice Period] notice. [ ] Due in full on [Date].
4. Documentation
This loan is documented with a formal repayment schedule and bears a market interest rate, to be treated as a genuine loan (not a disguised dividend or capital contribution) for tax and accounting purposes.
5. Security (if applicable)
[State whether this loan is secured by any collateral, or unsecured.]
6. Default
If Borrower fails to make a payment when due, the entire unpaid balance becomes due at Lender's option, [with interest continuing to accrue at [Rate/default rate]].
Lender: ______________________ Date: ____________ Borrower: ______________________ Date: ____________
*This document is provided for informational and educational purposes only and does not constitute legal or tax advice. The IRS closely scrutinizes shareholder loans that lack real loan characteristics — a genuine repayment schedule and an interest rate at or above the applicable federal rate — and can reclassify an informal "loan" as a taxable dividend or distribution instead, with real tax consequences for both the shareholder and the company.*
Edit directly in the box above. Download PDF anytime — the docstoc.io footer is always included and cannot be removed.
What's included
- Edit online — click the document, fill in placeholders, download a PDF
- 6 standard sections: 1. Loan Amount, 2. Interest Rate, 3. Repayment Terms, 4. Documentation, 5. Security (if applicable), 6. Default
- 9 clearly marked [placeholder] fields for quick personalizing
- Free to use — no account or signup required
- Fully editable — adjust any clause to match your actual situation
- Includes a signature block, ready to print or sign digitally
- Fixed docstoc.io footer on every PDF (not removable)
Who this template is for
Freelancers & solo founders
Handling routine business paperwork without commissioning custom legal drafting for every document.
Small businesses
Standardizing recurring documents — leases, agreements, notices — across a growing operation.
Anyone reviewing before signing
Using a clear starting structure to understand what a document should cover, even if a lawyer finalizes it.
Informal lending & reimbursements
Money changing hands between people or a business and its team, without a bank's paperwork.
FAQ
Is this shareholder loan agreement template really free?
Yes — this Shareholder Loan Agreement template on docstoc is free to view, edit online, and download as a PDF with no account or signup required.
What does this shareholder loan agreement cover?
This finance template includes 1. Loan Amount, 2. Interest Rate, 3. Repayment Terms, 4. Documentation. Fill in the [bracketed] placeholders, edit any clause online, then download a PDF — the docstoc.io footer stays on every export.
Is this legal advice?
No. Financial documents like this can touch usury limits, lending disclosure rules, or tax treatment that vary by state and by amount — details a general template can't know. Have an accountant or attorney review the actual terms before money changes hands based on this.
Can I edit the wording?
Yes — edit directly on the page, adjust any section or clause, and re-fill the 9 placeholder fields to match your situation before downloading a PDF. It's a starting structure, not a rigid script.
Where can I find more free templates like this?
Browse more free finance and related document templates in the docstoc library at /document-templates/.
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