Subordination Agreement Drafter
Put another lender's debt or lien behind your loan, drafted for attorney review
0 downloads on LenderSkills
Install it in one line — paste a single command into Claude, ChatGPT or Cursor and it writes the skill into your project.
Free, and about thirty seconds: a work email and a six-digit code.
Downloading shares your name, firm, role, and email with CaseMark. That introduction is what keeps every skill here free.
What this skill does
Drafts a subordination agreement that puts a junior creditor behind your loan: payment priority, standstill on enforcement, turnover of any payments received out of order, and treatment in bankruptcy. The draft goes to your attorney to finish.
What it does
- Defines senior debt, junior debt, permitted junior payments and payment in full
- Drafts the subordination waterfall, standstill and turnover-in-trust provisions
- Adds junior-creditor covenants and bankruptcy provisions
- When the junior debt is a recorded lien, adds lien subordination in recordable form
When to use it
- A seller carryback or private second sits behind your first
- An existing lender must subordinate to your new loan
- A borrower's affiliate or insider loan must be put behind your debt
What to have ready
- Senior and junior loan terms
- Parties' legal names and signers
- Collateral and recorded lien details
- Whether subordination is complete or allows some junior payments
How to use it
- Download it with the button above. You'll sign in with a work email — that's how the creator knows who is using their skill.
- Copy the install prompt from the "Run it in Claude" box, and paste it into Claude along with the file. Claude installs the skill, fills in your firm's details where the file has
[BRACKETED]placeholders, and runs a quick test with you. - Then just ask in plain English. Claude picks the skill up on its own when a request matches it. Anything it still needs, it asks you for — it won't invent a number.
"Draft a subordination of [JUNIOR LENDER]'s recorded second deed of trust to our $[AMOUNT] first on [PROPERTY ADDRESS]."
What you get back
A draft subordination agreement with payment and lien subordination, standstill, turnover and bankruptcy terms.
Good to know
- Output quality tracks input quality. A missing figure is flagged as missing — it is never estimated to fill a gap.
- Every draft is a starting point for your own review, not a finished decision.
- Runs anywhere Claude does: the Claude app, Claude Desktop, or Claude Code.
- Draft for attorney review only. Recording requirements, and the enforceability of some bankruptcy provisions such as assigning a junior creditor's plan-voting rights, vary by jurisdiction. Built for business-purpose loans.
Source & credit
Imported from CaseMark's open-source skills library (Apache-2.0). Author: CaseMark, Inc. — https://github.com/CaseMark/skills. LenderSkills renamed the skill for this catalogue, added a draft-only and business-purpose note, added a section on subordinating a recorded real-estate lien, and flagged bankruptcy voting-rights language for verification; it also appended a legal disclaimer, and the package header lists every change. The author's content is otherwise unmodified. Full credit to the author. CaseMark did not submit this listing and does not endorse it — the original is free at the link above.
Legal disclaimer
This skill drafts; it does not decide. Its output is not legal, tax, accounting, appraisal, or investment advice, and using it creates no attorney-client, fiduciary, or advisory relationship. Nothing it produces is a commitment to lend or an offer to sell a security. Verify every number, date, citation, and conclusion against the source documents, and have a qualified professional licensed in the relevant jurisdiction review the work before you rely on it or send it to a borrower, investor, counterparty, or regulator. Laws, rates, and market data change. The final work product is yours.
Inside this skill
The actual file you get. Members can read it in full before saving it.
Subordination Agreement
Drafts a subordination agreement establishing creditor claim priority, payment waterfall mechanics, and intercreditor rights for debt transactions.
LenderSkills note: Everything this skill produces is a draft for review and completion by the lender's attorney, not a finished document and not legal advice. It is written for business-purpose commercial loans. If the borrower is an individual borrowing for personal, family or household purposes, or the property is the borrower's home, stop and send the file to counsel: consumer-lending rules apply and this template does not address them.
Quick Start
Gather before drafting:
- Senior Debt instruments — principal, rate, maturity, collateral, default provisions
- Junior Debt instruments — same details plus any existing subordination or intercreditor arrangements
- Party information — legal names, jurisdictions, authorized signatories for Senior Creditor, Junior Creditor, and Debtor
- Security interests — collateral descriptions, lien positions, guarantees, cross-default provisions
- Commercial terms — complete vs. partial subordination, permitted junior payments (if any), standstill duration
Core Workflow
Reading the full skill counts as a download. The contributor receives your name, company, and email.
Ratings & reviews
No written reviews yet. If you run this on a live file, say how it went. The next lender reading this page is deciding whether to trust it.
Examination record
Run it in Claude
- Copy the install command above
- Paste it into Claude, ChatGPT or Cursor
- It writes the skill in, fills in your firm’s details, and test-runs it with you
Prefer the file? The prompt above is for a package you already downloaded.
Details
More from CaseMark
Imported from their public repository with attribution. Their other skills, and where to find the original, are on their contributor page.