Updated 23.05.2024

Debt confirmation agreement 

The debtor acknowledges the obligation to make repayment in accordance with the original agreement or with modified terms and conditions, with or without interest.

Use this contract: 

  • To confirm a debt that has not been documented, or to make changes to the repayment.
  • That the debt arises from a loan or invoice, whether private or commercial, in Swiss francs or foreign currency.
  • Whether the debt is interest-free, with simple or compound annual interest, or one-off interest only.
  • Whether or not you wish to impose additional guarantees and restrictions on the debtor.
  • Whether or not you wish to provide for penalties and enforcement measures in the event of late repayment.




This contract is governed by Swiss law and complies with commercial and financial regulations

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Protect yourself legally as a creditor with the following options: 

  • Prohibition on selling significant assets, taking on debt or giving more advantageous security to third-party creditors. 
  • Obligation to regularly confirm declarations, disclose financial statements or tax returns, subject to immediate termination. 
  • Interest on arrears and reminder charges in the event of late payment, with the debtor obliged to cover any legal costs in the event of enforcement. 
  • Immediate termination in the event of a change of control, bankruptcy, or insolvency of the debtor. 
  • Cancellation of the instalment plan and demand for immediate repayment in full if even one instalment is overdue. 

Safeguard your interests as a debtor by using the following clauses: 

  • Flexible calculation of simple interest with the option of a single or regular payment. 
  • Option to specify a single interest rate that does not depend on the term of the debt. 
  • Option to accumulate compound interest over different periods. 
  • Limitation of reminder fees. 
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