NOW, taking into account the mutual agreements and promises that have been made by the parties, the party to the debt and the party due (individually, a “party” and, together, the “parties”) conclude and agree as follows: whenever a borrower requests a loan, it must be recorded in a debt certificate. There are many free promissory note templates on the web that you just have to edit and use. However, it is advisable to work with a lawyer, as they can help you design and write the debt certificate correctly. Generally speaking, you should use credit for simpler loans with basic repayment structures and a credit agreement for more complex loans. This is the date on which the beneficiary promises to repay the loan amount to the payer. .