Convertible Loan Agreement by Cofounders

Updated 6 November 2025

The Convertible Loan Agreement by Cofounders sets the terms for an unsecured, interest-bearing loan that can convert into equity (on financing, sale, maturity, or default), with detailed conversion mechanics, repayment waterfalls tied to revenues, investor information/audit rights, consent matters, warranties, and anti-dilution. It follows a comprehensive, Singapore-law framework typical for early-stage financings, making it a reliable, structured template for aligning founder–investor expectations and protections.

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