In order to reduce the risk that the borrower may not pay the amounts due under the loan agreement, the parties may agree on guarantees or guarantees that are part of the transaction. This can allow the lender to have the borrower`s collateral (e.g.B jewelry, shares, vehicles, receivables, etc.) to get the money due if the borrower is late in the loan. other clauses that are sometimes included, such as.B. Prohibition of debauchery and exclusivity, when and why confidentiality agreements might be necessary Credit agreements are signed by the borrower and the lender. If you are acting on behalf of a company, the agreement should be signed by someone who can bind the company. .