Finance legal-AI skills in 🇺🇸 United States

34 legal AI skills for finance in United States.

Revolving Credit Agreement

Apache-2.0United StatesFinance

Drafts a market-standard U.S. revolving credit agreement for bilateral or syndicated facilities. Covers facility structure, SOFR/base rate interest, borrowing base, LC sublimits, collateral, guarantees, covenants, conditions precedent, events of default, and remedies. Use when drafting or negotiating revolving credit facilities, asset-based lending agreements, or syndicated loan documents.

Secured Promissory Note

Apache-2.0United StatesFinance

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.

Security Agreement (Granting Lien)

Apache-2.0United StatesFinance

Drafts UCC Article 9 security agreements granting first-priority liens on specified collateral. Covers party identification, collateral descriptions, representations/warranties, default/remedies, and perfection requirements. Use when drafting security agreements, granting liens, creating collateral pledges, or documenting secured financing transactions.

Subordination Agreement

Apache-2.0United StatesFinance

Drafts debt subordination agreements establishing senior/junior creditor priority, payment waterfalls, standstill provisions, turnover obligations, and bankruptcy treatment. Use when drafting subordination agreements, intercreditor arrangements, creditor priority documents, or debt subordination terms during negotiation or closing.

Term Loan Agreement

Apache-2.0United StatesFinance

Drafts U.S. corporate finance term loan agreements covering economic terms, covenants, collateral, events of default, and enforcement mechanics. Trigger when the user requests a term loan agreement, commercial loan, senior secured facility, SOFR-based loan, amortization schedule, covenant package, or bilateral loan documentation.

TILA-Compliant Consumer Loan Agreement

Apache-2.0United StatesFinance

Drafts U.S. consumer loan agreements with integrated Truth in Lending (TILA/Reg Z) disclosures, including disclosure-box construction, APR and finance-charge calculations, payment schedule formatting, prepayment/default/enforcement clauses, co-signer notices, and state-law overlays. Produces an execution-ready contract and disclosure package. Trigger keywords: consumer loan agreement, TILA, Regulation Z, Truth in Lending, APR disclosure, finance charge, loan contract drafting, closed-end credit, Reg Z disclosure box.

TRID CD Tolerance Reference

Apache-2.0United StatesFinance

Guides the agent through TRID tolerance compliance under 12 CFR § 1026.19(e)(3), comparing Closing Disclosure fees to Loan Estimate fees across zero, 10% cumulative, and unlimited tolerance categories. Use when reviewing a CD for tolerance variances, determining whether a revised LE is permitted, calculating cure amounts, or resolving post-closing tolerance violations.

TRID Tolerance

Apache-2.0United StatesFinance

Classifies closing costs into zero, 10% cumulative, and unlimited tolerance buckets under 12 CFR § 1026.19(e)(3). Validates changed circumstances for revised Loan Estimates and computes cure amounts. Use when reviewing a Closing Disclosure against a Loan Estimate, calculating tolerance variances, determining whether a revised LE is permitted, or computing cure amounts for tolerance violations.

UCC Financing Statement and Amendments

Apache-2.0United StatesFinance

Drafts UCC-1 Financing Statements and UCC-3 Amendments to perfect security interests under Article 9 of the Uniform Commercial Code. Handles debtor identification, collateral descriptions, filing jurisdiction, continuations, terminations, and assignments. Use when drafting UCC-1 filings, UCC-3 amendments, continuation statements, or any secured transaction perfection document.

Unlimited Guaranty

Apache-2.0United StatesFinance

Drafts a U.S. Unlimited Guaranty for commercial lending transactions. Triggers when user needs an uncapped personal or entity guaranty, credit enhancement, or unlimited recourse instrument for a loan closing. Produces an absolute guaranty of payment (not collection) with comprehensive waivers, subrogation subordination, and continuing-guaranty coverage.