Your data doesn't train Genie's AI
You keep IP ownership of your information
1. Parties: Identification and details of the proposed lender and borrower, including registration numbers for companies or ID numbers for individuals
2. Background: Context of the proposed loan arrangement and the purpose of the MOU
3. Definitions: Key terms used throughout the document, ensuring consistent interpretation
4. Purpose of the MOU: Clear statement that this is a non-binding memorandum of understanding (except for specific binding clauses) and its intended purpose
5. Proposed Loan Terms: Overview of the intended loan amount, interest rate, and repayment terms
6. Due Diligence: Framework for the evaluation process and required documentation
7. Conditions Precedent: Conditions that must be met before proceeding to the final loan agreement
8. Timeline: Proposed schedule for completing due diligence and executing the final loan agreement
9. Confidentiality: Binding provisions regarding the confidentiality of information exchanged
10. Costs: Allocation of costs related to the MOU and subsequent loan agreement preparation
11. Non-Binding Nature: Clear statement of which provisions are non-binding and which are binding (typically confidentiality and costs)
12. Governing Law: Specification that South African law governs the MOU
1. Exclusivity: Used when parties want to ensure exclusive negotiations for a specific period
2. Security Arrangements: Include when the proposed loan will be secured by specific assets or guarantees
3. Break Fee: Added when parties want to specify compensation if one party withdraws from negotiations
4. Regulatory Approvals: Required when the proposed loan transaction needs specific regulatory clearances
5. Foreign Exchange Provisions: Include when the loan involves foreign currency considerations
6. Related Party Transactions: Added when the loan involves related party considerations under Companies Act
7. Special Purpose Vehicle: Include when a special purpose vehicle will be established for the loan
8. Step-In Rights: Used in complex loans where lender may need to take control of certain assets
1. Schedule 1: Key Commercial Terms: Detailed breakdown of proposed loan terms, interest calculations, and repayment schedule
2. Schedule 2: Required Due Diligence Items: List of documents and information required for due diligence
3. Schedule 3: Timeline and Key Milestones: Detailed timeline for completion of due diligence and loan agreement
4. Appendix A: Corporate Structure: Diagram showing relevant corporate relationships (if applicable)
5. Appendix B: Asset Schedule: List of assets proposed as security (if applicable)
6. Appendix C: Required Regulatory Filings: List of regulatory approvals and filings needed
7. Appendix D: Form of Confidentiality Agreement: Template of detailed confidentiality agreement if required
Banking and Financial Services
Real Estate and Property Development
Mining and Resources
Manufacturing
Retail and Consumer Goods
Agriculture and Agribusiness
Technology and Telecommunications
Infrastructure and Construction
Healthcare
Education
Energy and Utilities
Transport and Logistics
Legal
Finance
Treasury
Risk Management
Compliance
Corporate Development
Credit
Operations
Due Diligence
Investment
Commercial
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Banking Executive
Credit Manager
Risk Manager
Treasury Manager
Investment Officer
Compliance Officer
Due Diligence Officer
Financial Controller
Business Development Manager
Corporate Finance Manager
Transaction Advisory Manager
Find the exact document you need
Employee Loan Contract
A South African law-governed agreement establishing terms for an employer-provided loan to an employee, including repayment through salary deductions.
Loans With Debt Agreement
A South African law-governed agreement combining loan provisions with debt arrangements, compliant with the National Credit Act and related legislation.
Take Over Car Loan Payments Contract
A South African law-governed agreement transferring vehicle loan payment obligations from an original borrower to a new borrower, with lender consent.
Repayment Of Debt Agreement
A South African law-governed agreement that formalizes debt repayment terms between creditor and debtor, ensuring compliance with local credit legislation.
Cellphone Loan Agreement
South African law-compliant agreement for financing mobile devices, covering loan terms, device ownership, and regulatory requirements.
Employer Loan To Employee Agreement
South African law-governed agreement establishing terms for an employer-provided loan to an employee, compliant with the National Credit Act and employment legislation.
Friendship Loan Agreement
A South African legal document formalizing loan arrangements between friends or family members, establishing clear terms while maintaining personal relationships.
Personal Loan Letter Between Friends
A South African legal document formalizing a personal loan agreement between friends, outlining loan terms and conditions while maintaining compliance with local legislation.
Peer To Peer Lending Agreement
South African-compliant agreement establishing terms for peer-to-peer lending between parties, including loan details, repayment terms, and regulatory requirements.
Simple Interest Loan Contract
A South African law-governed loan agreement with simple interest terms, compliant with the National Credit Act and related legislation.
Revolving Credit Contract
A South African law-governed agreement establishing a revolving credit facility between a credit provider and borrower, compliant with the National Credit Act.
Loan Car Form
A South African law-compliant agreement governing the temporary loan of a vehicle between parties, outlining terms, conditions, and responsibilities.
Family Member Promissory Note
A South African legal document formalizing loan agreements between family members, establishing terms and conditions while ensuring compliance with local lending and tax regulations.
Vendor Finance Loan Agreement
A South African law-governed agreement establishing terms for vendor-provided financing for goods or services purchase, compliant with local credit and banking regulations.
Overloan Agreement
A South African law-governed agreement that documents the extension of credit beyond an existing loan facility's limit, setting out terms for the increased borrowing amount.
Acknowledgement Of Debt Agreement
A South African legal document where a debtor formally acknowledges their debt obligation and agrees to specific repayment terms under South African law.
Facility Loan Agreement
A South African law-governed agreement establishing terms for a loan facility, including lending conditions, repayment terms, and security arrangements.
Overagreement
A South African law-governed master agreement that provides an overarching framework for multiple sub-agreements between parties.
Inter Corporate Loan Agreement
A South African law-governed agreement establishing loan terms between corporate entities, including financial terms, security, and compliance requirements.
Subordinated Loan Agreement
South African law-governed agreement establishing terms for subordinated debt, including ranking provisions and payment conditions.
Work Loan Agreement
A South African agreement combining employment terms with loan provisions, governed by national credit and employment legislation.
Peer To Peer Lending Contract
South African law-compliant agreement for direct lending between parties, incorporating National Credit Act requirements and essential lending terms.
Interest Loan Agreement
A South African law-governed agreement establishing terms for an interest-bearing loan, compliant with the National Credit Act and related legislation.
Letter To Borrow Money From Friend
A South African legal document formalizing a personal loan agreement between friends, including loan terms and repayment conditions while complying with local legislation.
Student Loan Agreement
South African law-governed agreement establishing terms for student financial assistance, compliant with National Credit Act and related legislation.
Simple Loan Application Form
South African loan application form compliant with NCA, POPIA, and FICA, designed for gathering borrower information and obtaining necessary consents.
Private Lending Term Sheet
A South African law-governed preliminary document outlining key terms and conditions for a private loan agreement, serving as the basis for detailed loan documentation.
Personal Loan Receipt
A South African legal document acknowledging the disbursement of a personal loan and its key terms, compliant with the National Credit Act.
Loan Agreement With Guarantor
A South African law-governed agreement establishing loan terms between lender and borrower, secured by a third-party guarantor's commitment to ensure repayment.
Investment Loan Contract
A South African law-governed agreement establishing terms for an investment loan, including loan details, security arrangements, and compliance with local financial regulations.
Facility Agreement
A South African law-governed agreement establishing terms and conditions for a lending facility, including loan amount, interest, repayment terms, and security arrangements.
Employee Laptop Loan Agreement
A South African law-governed agreement setting out terms for loaning company laptops to employees, including usage, maintenance, and return conditions.
Car Payment Plan Agreement
A South African law-compliant agreement outlining terms and conditions for vehicle purchase through structured payments, incorporating National Credit Act requirements.
Borrowing Form
A South African law-compliant document that establishes legally binding terms for a loan between a credit provider and borrower, incorporating National Credit Act requirements.
Simple Equipment Borrowing Agreement
A South African law-compliant agreement establishing terms and conditions for temporary equipment loans between parties.
No Loan Agreement
A South African legal document that formally establishes and confirms the absence of any loan relationship between parties.
International Loan Agreement
A South African law-governed agreement for cross-border lending transactions, establishing terms for international loans while ensuring compliance with local regulations.
Inter Corporate Deposit Agreement
A South African law-governed agreement regulating corporate deposit arrangements between companies, including terms for deposit placement, interest, and repayment.
Fixed Sum Loan Agreement
A South African law-governed agreement establishing terms for a fixed sum loan, compliant with the National Credit Act and related regulations.
Deed Of Assignment Loan Agreement
A South African law-governed agreement transferring rights and obligations under an existing loan from one lender to another, including associated terms and conditions.
ұԾ’s Security Promise
Genie is the safest place to draft. Here’s how we prioritise your privacy and security.
Your documents are private:
We do not train on your data; ұԾ’s AI improves independently
All data stored on Genie is private to your organisation
Your documents are protected:
Your documents are protected by ultra-secure 256-bit encryption
We are ISO27001 certified, so your data is secure
Organizational security:
You retain IP ownership of your documents and their information
You have full control over your data and who gets to see it


.png)