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HelloThis is Samuel and I will discuss this and provide you information in this regard.I suggest you will want to outsource this to a local CA finance attorney.HERE IS a LINK for the CA statutes as they pertain to lenders. I suggest the language in the documents must be very detailed and have certain language that is mandated and imperative as to the state's usury laws, licensing, etc.. Therefore, a local attorney will have those templates for your needs.I suggest you can contact the CA Bar Association for a Legal referral service for a finance attorney in your area.(###) ###-####/p>