CONSIDERING that the lender agrees to lend [insert loan amount] to the borrower and that the borrower owes the lender [insert loan amount] (the “loan”) interest on the outstanding loan of [insert interest rate that indicates a percentage] per year, on [insert date on which the loan is signed]; and credit agreements are usually written, but there is no legal reason why a credit agreement should not be a purely oral agreement (although oral agreements are more difficult to enforce). “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. .