Promissory Notes & Loan Agreements

Clear, enforceable lending terms for Houston individuals and businesses

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Protect Your Financial Transactions

Customized agreements to safeguard lenders and borrowers

Promissory notes and loan agreements are essential tools for documenting lending arrangements and protecting everyone involved. At Lindholm Law, we help Houston individuals and businesses draft, review, and negotiate clear, enforceable agreements. Our goal is to ensure that all terms are transparent, obligations are defined, and your financial interests are protected. Whether it’s a personal loan between family members or a business financing arrangement, we make sure your contract provides security and peace of mind.

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Understanding Loan Agreements in Texas

Key considerations for lenders and borrowers

Loan agreements and promissory notes are legally binding contracts that define the terms of repayment and establish protections for both parties. In Texas, a clear, written agreement is essential to enforce your rights in the event of default or dispute. Including details like payment schedules, interest rates, and remedies for nonpayment helps prevent misunderstandings and strengthens your legal position.



For personal loans, having a formal agreement can preserve relationships by setting clear expectations from the start. For business transactions, a well-drafted loan agreement is critical to securing funding and protecting assets. Lindholm Law helps Houston clients create contracts that are both practical and compliant with state law, ensuring security for every transaction.

Common Questions About Loan Agreements

Thorough answers for Houston lenders and borrowers

  • Why should I use an attorney for a promissory note?

    An attorney ensures the note is properly drafted, enforceable, and tailored to your specific situation. Generic templates often miss critical terms that can protect your rights in case of default. We create agreements that provide clarity and legal protection for both lenders and borrowers.

  • What is the difference between a secured and unsecured loan?

    A secured loan is backed by collateral, such as property or equipment, while an unsecured loan relies solely on the borrower’s promise to repay. Each has unique legal considerations and risks. We help you determine the best structure and draft agreements that reflect your needs.

  • Can I create a loan agreement for a personal loan to a family member?

    Yes, and it’s highly recommended. A written agreement establishes clear expectations and protects both parties, reducing the risk of misunderstandings. We draft family loan agreements that balance legal enforceability with maintaining personal relationships.

  • What happens if the borrower doesn’t repay the loan?

    A properly drafted agreement outlines remedies in the event of default, such as late fees, interest adjustments, or legal action. Having these terms in writing strengthens your ability to recover funds. We ensure your agreement includes clear provisions to protect your investment.

  • Do loan agreements need to be notarized in Texas?

    Notarization is not always required but can add an extra layer of protection and help in enforcing the agreement in court. We advise on when notarization is appropriate and ensure your documents meet all legal standards.