The Equity Loan Agreement under Belgian law serves as a crucial financing instrument for companies seeking flexible funding solutions. It is particularly relevant for scale-ups and established companies looking to secure growth capital while maintaining cash flow flexibility. The document combines traditional loan provisions with sophisticated equity conversion mechanics, carefully structured to comply with Belgian Companies and Associations Code requirements. This type of agreement is typically used when investors want the security of debt with potential equity upside, or when companies prefer to defer equity dilution. The agreement must address specific Belgian legal requirements regarding corporate finance, security interests, and shareholder rights, while also considering tax implications for both parties. Importantly, an Equity Loan Agreement must be carefully structured to ensure enforceability under Belgian law and to maintain clarity regarding the conversion mechanisms and resulting shareholder rights.
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1. Parties: Identification of the lender and borrower, including full legal names, registration details, and addresses
2. Background: Context of the agreement, including purpose of the loan and any relevant corporate background
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount, currency, and intended use of funds
5. Equity Conversion Terms: Detailed terms for converting the loan into equity, including conversion price, timing, and mechanisms
6. Interest and Payments: Interest rate, calculation method, payment schedule, and payment mechanisms
7. Security and Ranking: Position of the loan in relation to other debt, any security provided
8. Conditions Precedent: Conditions that must be satisfied before the loan becomes effective
9. Representations and Warranties: Statements of fact and assurances given by the borrower
10. Covenants: Ongoing obligations of the borrower during the term of the loan
11. Events of Default: Circumstances that would trigger default and consequences
12. Termination: Circumstances and procedures for ending the agreement
13. Notices: Communication procedures between parties
14. Governing Law and Jurisdiction: Confirmation of Belgian law and jurisdiction
1. Information Rights: Additional reporting requirements and information access rights for the lender, typically included for larger loans
2. Board Observer Rights: Rights of the lender to appoint an observer to the borrower's board, usually for strategic investments
3. Anti-dilution Protection: Provisions protecting the conversion rights from dilution, important if future equity rounds are anticipated
4. Tag-Along Rights: Rights to participate in future sales of shares, relevant for strategic investors
5. Pre-emption Rights: Rights to participate in future funding rounds, important for strategic investors
6. Exit Rights: Provisions regarding sale of the company or IPO scenarios
7. Subordination Provisions: Required if the loan needs to be subordinated to other debt
8. Tax Provisions: Detailed tax treatment and gross-up provisions, important for cross-border loans
1. Conditions Precedent Schedule: Detailed list of all conditions to be satisfied before drawdown
2. Form of Drawdown Notice: Template for requesting disbursement of the loan
3. Form of Conversion Notice: Template for exercising conversion rights
4. Calculation of Conversion Price: Detailed methodology and examples of conversion price calculations
5. Company Information: Key corporate information including capitalization table
6. Security Documents: If applicable, details of any security arrangements
7. Shareholders' Agreement Terms: Key terms that will apply post-conversion
Relevant legal definitions
Clauses
Relevant Industries
Technology
Real Estate
Manufacturing
Healthcare
Renewable Energy
Financial Services
E-commerce
Biotechnology
Software Development
Professional Services
Media and Entertainment
Telecommunications
Relevant Teams
Legal
Finance
Treasury
Corporate Development
Compliance
Risk Management
Corporate Secretariat
Tax
Accounting
Relevant Roles
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Investment Manager
Venture Capital Partner
Treasury Manager
Company Secretary
Financial Controller
Risk Manager
Compliance Officer
Corporate Development Director
Investment Banker
Private Equity Associate
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