The Debt Financing Agreement serves as the primary document for establishing and governing lending arrangements in Australia. It is typically used when a borrower seeks substantial financing from a financial institution or consortium of lenders. The agreement must comply with Australian banking and financial services regulations, including the National Consumer Credit Protection Act, Banking Act, and Corporations Act. This document encompasses all essential elements of the lending relationship, including facility terms, security arrangements, covenants, and enforcement mechanisms. The agreement is structured to accommodate various financing purposes, from corporate acquisitions to project financing, while ensuring proper protection of both lender and borrower interests under Australian law.
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1. Parties: Identifies and defines the lender(s) and borrower(s), including their legal names, ACN/ABN, and addresses
2. Background: Sets out the context of the financing arrangement and the purpose of the loan
3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes interpretation principles
4. The Facility: Details the type, amount, and purpose of the loan facility being provided
5. Conditions Precedent: Lists the conditions that must be satisfied before the facility becomes available
6. Drawdown: Specifies the drawdown mechanics, notice requirements, and availability period
7. Interest: Details the interest rate, calculation method, and payment dates
8. Repayment and Prepayment: Specifies repayment schedule, prepayment terms, and any associated fees
9. Representations and Warranties: Sets out the borrower's representations regarding their legal and financial status
10. General Undertakings: Lists the ongoing obligations of the borrower during the loan term
11. Financial Covenants: Specifies the financial ratios and requirements the borrower must maintain
12. Events of Default: Defines circumstances that constitute default and trigger remedies
13. Security: Describes the security package and enforcement rights
14. Costs and Expenses: Allocates responsibility for fees, costs, and expenses
15. Changes to Parties: Addresses assignment and transfer provisions
16. Notices: Specifies how formal communications between parties should be made
17. General Provisions: Contains boilerplate clauses including governing law, jurisdiction, and entire agreement
1. Syndication Provisions: Required for syndicated facilities involving multiple lenders, including agency and voting provisions
2. Guarantee: Included when third-party guarantors are providing additional support for the borrower's obligations
3. Special Purpose Vehicle Provisions: Required when the borrower is an SPV, including specific covenants and restrictions
4. Market Disruption: Important for facilities with floating interest rates to address market disruption scenarios
5. Increased Costs and Tax Provisions: Detailed provisions for dealing with regulatory changes affecting lenders' costs
6. Multi-currency Provisions: Required for facilities available in multiple currencies
7. Review Events: Included for facilities requiring periodic review or having specific trigger events
8. Environmental Undertakings: Required for projects or businesses with significant environmental impacts
9. Construction and Drawing Provisions: Required for construction or development financing
1. Facility Details: Detailed terms of the facility including amounts, interest rates, and fees
2. Conditions Precedent Documents: List of required documents and conditions to be satisfied
3. Form of Drawdown Notice: Template for borrower to request drawdown of funds
4. Repayment Schedule: Detailed schedule of repayment dates and amounts
5. Security Documents: List and copies of all security documents
6. Financial Covenant Calculations: Formulas and methods for calculating financial covenants
7. Form of Compliance Certificate: Template for periodic compliance certification
8. Permitted Security Interests: List of security interests allowed under the agreement
9. Form of Transfer Certificate: Template for transferring rights and obligations under the facility
10. Address Details: Contact details for notices and communications
Relevant legal definitions
Clauses
Relevant Industries
Banking and Financial Services
Real Estate and Property
Infrastructure
Mining and Resources
Manufacturing
Technology
Agriculture
Healthcare
Retail
Energy and Utilities
Construction
Transport and Logistics
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Corporate Finance
Credit
Operations
Company Secretariat
Portfolio Management
Transaction Management
Documentation
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Corporate Lawyer
Legal Counsel
Banking Relationship Manager
Credit Risk Manager
Compliance Officer
Financial Controller
Corporate Finance Manager
Investment Manager
Debt Finance Manager
Transaction Manager
Security Trustee Officer
Facility Agent
Portfolio Manager
Risk Officer
Company Secretary
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