Business disputes in New York City and Westchester County often turn less on who “owes what” and more on how the deal was documented. A recent New York Supreme Court decision arising out of a high‑end wedding dispute underscores a recurring and costly mistake: using a loan agreement when no loan was ever made. The Underlying Facts: A Wedding, Large Invoices, and a Last‑Minute “Loan” In Timmons v. Guggenheim, 2025 WL 2962296 (Sup. Ct., N.Y. County Oct. 16, 2025), the dispute arose from the…