8 documents
Loans & money
Lending between private individuals, guarantees, repayment plans and debt collection. Each document below is written and reviewed by Swedish lawyers, has one fixed price, and comes with an English explanation of the rules behind it.
Promissory note
Swedish: SkuldebrevWritten proof of a loan: amount, interest, repayment plan and what happens on late payment. Between family and friends it is also the document that shows the Swedish Tax Agency the money was a loan and not a gift.
Co-borrower agreement
Swedish: MedlåntagaravtalWhere two people take a loan together, this settles between them who pays what. The bank can pursue either of you for the whole debt regardless — this agreement decides how you settle up with each other.
Recourse agreement
Swedish: RegressavtalGives you the right to claim back from the others when you have paid more than your share of a joint debt or guarantee. Without it, recovering the money can be considerably harder than it should be.
Commercial loan agreement
Swedish: Kommersiellt låneavtalA loan between businesses, or between an owner and their company: amount, interest, security, covenants, repayment and default. Interest between related parties needs to be on market terms for tax purposes.
Simple promissory note
Swedish: Enkelt skuldebrev (revers)A short, one-page acknowledgement of debt naming a specific creditor. Enough for a straightforward private loan where you do not need instalments, security or transferability.
Payment reminder and demand letter
Swedish: Betalningspåminnelse & kravbrevThe formal reminder that starts the clock on late payment. It sets out the invoice, the deadline, the statutory default interest and the reminder fee, and it is the step that has to come before debt collection.
Instalment plan
Swedish: AvbetalningsplanRestructures an existing debt into agreed instalments: amounts, dates, interest and what happens if a payment is missed. Useful for both sides when the alternative is collection proceedings.
Guarantee undertaking
Swedish: BorgensförbindelseA guarantee for someone else's debt. The type matters enormously: with proprieborgen the creditor can come straight to you, while with simple guarantee they must first try to recover from the borrower. Banks always require the former.
