Loan agreements are documented via a compilation of the various mutual promises made by the involved parties.
These representations are taken into consideration and the lender then determines under what conditions (terms), if any, they are prepared to advance money.
"Industrial" loans are those that depend on the cashflow and creditworthiness of the company and the widgets or service that it sells.
"Insurance" organizations, who collect premiums for providing either life or property/casualty coverage, created their own types of loan agreements.
Investment banking activities are supervised by the SEC and their main focus is on whether the correct or proper disclosures are made to the parties who provide the funds.