The terms and conditions of financing arrangements vary greatly between borrowers and lenders. Institutional lenders typically require a secured arrangement supported by a financial audit. Individual lenders may require less formality and structure. The documents available in the Financing Sub-Library address primarily informal arrangements where the technology enterprise is either borrowing money from an individual or small lender or is lending funds on an informal basis to the enterprise. Institutional lenders typically have their own forms. Those institutional forms are typically very onerous for borrowers and must be negotiated by counsel on a case-by-case basis.
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