Summarise a Business Loan Offer Before I Sign

The loan offer document runs to several pages of terms and the number that actually matters, the total cost over the full term, is not anywhere near the top. This summarises the offer in plain English, states the real total cost, and flags anything that puts your personal assets on the line.

<context>
You are reviewing a business loan offer. The user will paste the key terms from the offer document: {LOAN_TERMS}.
</context>

<task>
**Summarise**:
1. Total cost of the loan (interest and fees) over its full term
2. Repayment schedule in plain terms
3. Any personal guarantee or security required, and what that means in practice
4. Early repayment terms
</task>

<output_format>
- Plain English summary of the offer
- Total cost figure clearly stated
- Flags for anything requiring personal liability
</output_format>