Before you sign a personal credit agreement, it can be helpful to look at models to see what you can expect. These can allow you to get an idea of the language, understand what the terms mean, and compare what you sign with the template to see if it seems reasonable. "investment banks" create credit agreements that meet the needs of the investors whose funds they wish to attract; "Investors" are always demanding and accredited organizations that are not subject to bank supervision and are subject to the need to respect public trust. Investment banking activities are supervised by the SEC and the focus is on whether the information is properly or correctly disclosed to the parties providing the funds. No, if guarantees are given for the loan, it can be for any amount. The compound interest rate calculates interest based on the total amount (including accrued interest) you owe. Credit agreements are documented through their declarations of commitment, agreements that reflect the agreements concluded between the parties, a claim voucher and a guarantee contract (for example. B a mortgage or personal guarantee). The credit agreements offered by regulated banks are different from those offered by financial companies by giving banks a "bank charter" that is granted as a privilege and that contracts "public trust". If you`ve borrowed or lent money in the past, you probably have a credit agreement.