secured-promissory-note

Drafts U.S. secured promissory notes for commercial lending with lender-protective terms, UCC Article 9 collateral grants, and state usury compliance. Trigger when the user needs a secured promissory note, lender note, collateral-backed loan note, or UCC-1 financing instrument.

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Repository: ThomasMoreAI/legal-skills-open
Last source activity: May 27, 2026 at 14:27
Detected SKILL.md language: English
Stars: 40
Forks: 4

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Secured Promissory Note

Draft an enforceable secured promissory note for a commercial loan with collateral-backed repayment.

Quick Start

Gather before drafting:

Parties — borrower and lender legal names, entity types, states, addresses, authorized signatories.

Deal terms — principal, interest structure (fixed/variable, index, margin, floor/cap), day-count convention, payment schedule, maturity, prepayment, fees, default rate.

Collateral — description with sufficient detail for UCC Article 9; filing jurisdictions (debtor location, fixture/real property).

Governing law — state, venue, dispute resolution preference.

Related documents — security agreement, guaranty, subordination/intercreditor, board/manager approvals.

Workflow

Collect intake fields; flag unresolved items before drafting.

Draft using the section outline and template below.

Insert optional clauses only when deal-specific.

Run the review checklist.

Intake Fields

Field

Req

Notes

Borrower name, entity, state, address

Yes

Exact registered name and suffix

Lender name, entity, state, address

Yes

Match org docs

Effective date / funding date

Yes

Note if different

Principal amount

Yes

Numeric and words

Interest rate type

Yes

Fixed/variable; index, margin, floor/cap

Day-count convention

Yes

actual/360, actual/365, or 30/360

Payment schedule

Yes

Frequency, amortization or balloon

Late fee / grace period

Yes

—

Default interest rate

Yes

Confirm within legal limits

Prepayment terms

Yes

Penalty, exceptions

Collateral description

Yes

Category + itemized detail

UCC filing jurisdictions

Yes

Debtor location; fixture/real property filings

Secured Promissory Note

Draft an enforceable secured promissory note for a commercial loan with collateral-backed repayment.

Quick Start

Gather before drafting:

Parties — borrower and lender legal names, entity types, states, addresses, authorized signatories.

Deal terms — principal, interest structure (fixed/variable, index, margin, floor/cap), day-count convention, payment schedule, maturity, prepayment, fees, default rate.

Collateral — description with sufficient detail for UCC Article 9; filing jurisdictions (debtor location, fixture/real property).

Governing law — state, venue, dispute resolution preference.

Related documents — security agreement, guaranty, subordination/intercreditor, board/manager approvals.

Workflow

Collect intake fields; flag unresolved items before drafting.

Draft using the section outline and template below.

Insert optional clauses only when deal-specific.

Run the review checklist.

Intake Fields

Field

Req

Notes

Borrower name, entity, state, address

Yes

Exact registered name and suffix

Lender name, entity, state, address

Yes

Match org docs

Effective date / funding date

Yes

Note if different

Principal amount

Yes

Numeric and words

Interest rate type

Yes

Fixed/variable; index, margin, floor/cap

Day-count convention

Yes

actual/360, actual/365, or 30/360

Payment schedule

Yes

Frequency, amortization or balloon

Late fee / grace period

Yes

—

Default interest rate

Yes

Confirm within legal limits

Prepayment terms

Yes

Penalty, exceptions

Collateral description

Yes

Category + itemized detail

UCC filing jurisdictions

Yes

Debtor location; fixture/real property filings

secured-promissory-note

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Review the source files