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1. Parties: Identifies and defines the Lender(s) and Borrower(s) with their full legal names and addresses
2. Background: Sets out the context of the financing arrangement and brief description of the purpose of the loan
3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes interpretation rules
4. The Facility: Details of the loan amount, purpose, and any tranches or sub-facilities
5. Conditions Precedent: Conditions that must be satisfied before the loan can be drawn
6. Drawdown: Procedures and requirements for requesting and receiving loan disbursements
7. Interest: Interest rate(s), calculation methods, payment periods, and default interest provisions
8. Repayment and Prepayment: Terms for scheduled repayments, optional prepayments, and mandatory prepayments
9. Security: Description of security arrangements and guarantees required
10. Representations and Warranties: Statements of fact and assurances given by the Borrower
11. Covenants: Positive and negative obligations of the Borrower during the loan term
12. Events of Default: Circumstances that constitute default and consequences thereof
13. Fees and Expenses: Details of all fees, costs, and expenses payable by the Borrower
14. Payments: Payment mechanics, currency, and timing requirements
15. Changes to Parties: Rules regarding assignment and transfer of rights and obligations
16. Notices: Communication requirements and contact details
17. Governing Law and Jurisdiction: Specification of applicable law and courts having jurisdiction
18. Execution: Signature blocks and execution requirements
1. Accordion Feature: Optional provision allowing for future increases in the facility amount under specified conditions
2. Multi-currency Provisions: Required if the facility can be drawn in multiple currencies
3. Tax Gross-up and Indemnities: Detailed tax provisions needed for cross-border transactions or complex tax structures
4. Increased Costs: Provisions dealing with changes in law or regulations affecting the lender's costs
5. Market Disruption: Provisions addressing scenarios where interest rate benchmarks become unavailable
6. Intercreditor Provisions: Required when there are multiple lenders or ranks of debt
7. Convertibility: Needed if the debt can be converted into equity
8. Environmental Compliance: Required for projects or businesses with significant environmental impacts
9. Anti-corruption Provisions: Enhanced compliance requirements for high-risk jurisdictions or industries
10. Parent Company Guarantee: Required when parent company support is part of the security package
1. Schedule 1 - Facility Details: Detailed terms of the facility including amounts, interest rates, and repayment schedule
2. Schedule 2 - Conditions Precedent: Detailed list of required documents and conditions
3. Schedule 3 - Drawdown Request Form: Template form for requesting loan disbursements
4. Schedule 4 - Security Documents: List and copies of all security documents
5. Schedule 5 - Financial Covenants: Detailed financial ratios and calculations
6. Schedule 6 - Permitted Security Interests: List of pre-approved security interests
7. Schedule 7 - Reporting Requirements: Details of required financial and operational reports
8. Schedule 8 - Form of Compliance Certificate: Template for periodic compliance certification
9. Appendix A - Existing Indebtedness: List of borrower's existing debt obligations
10. Appendix B - Corporate Structure: Diagram showing corporate structure of borrower group
Banking and Financial Services
Real Estate
Manufacturing
Technology
Healthcare
Energy and Utilities
Infrastructure
Retail
Agriculture
Mining and Resources
Transportation and Logistics
Telecommunications
Construction
Hospitality
Legal
Finance
Treasury
Risk Management
Compliance
Corporate Secretariat
Credit
Banking Operations
Corporate Development
Tax
Chief Financial Officer
Finance Director
Treasury Manager
Corporate Lawyer
Legal Counsel
Financial Controller
Risk Manager
Compliance Officer
Credit Manager
Investment Banker
Relationship Manager
Corporate Secretary
Finance Manager
Banking Officer
Account Manager
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