The Convertible Loan Agreement under Swiss law is primarily used in growth company and startup financing scenarios where traditional equity investment might be premature or impractical. This document is particularly relevant when companies need bridge financing between funding rounds or when parties prefer to defer company valuation discussions. The agreement, governed by Swiss law and complying with the Swiss Code of Obligations, provides investors with the security of a debt instrument while offering the potential upside of equity participation through conversion rights. It includes detailed provisions on loan terms, conversion mechanisms, investor protections, and company obligations. The document is commonly used in the Swiss startup ecosystem and can be adapted for various investment sizes and company stages, from early-stage startups to more established growth companies seeking additional capital.
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1. Parties: Identification of the Lender(s) and Borrower with full legal names and addresses
2. Background: Context of the agreement, including the Borrower's business and purpose of the loan
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Disbursement: Specification of the loan amount, currency, and disbursement conditions
5. Interest: Interest rate, calculation method, and payment terms
6. Term and Repayment: Duration of the loan and repayment provisions
7. Conversion Rights: Terms and conditions for converting the loan into equity, including conversion price and mechanism
8. Conversion Period: Timing and conditions when conversion rights can be exercised
9. Representations and Warranties: Standard representations and warranties from both parties
10. Covenants: Ongoing obligations of the Borrower during the loan period
11. Events of Default: Circumstances constituting default and consequences
12. Taxes: Treatment of taxes and withholding requirements
13. Notices: Communication requirements and contact details
14. Governing Law and Jurisdiction: Confirmation of Swiss law governance and jurisdiction
15. Miscellaneous: Standard boilerplate provisions including severability, entire agreement, and amendments
1. Security: Include when the loan is secured by specific assets or guarantees
2. Anti-dilution Protection: Include when protection against share dilution is required for conversion rights
3. Information Rights: Include when Lender requires specific reporting or information access rights
4. Board Observer Rights: Include when Lender is granted rights to attend board meetings
5. Most Favored Nation: Include when ensuring the Lender gets best terms offered to other investors
6. Subordination: Include when the loan needs to be subordinated to other debt
7. Change of Control: Include when specific provisions are needed for change in company ownership
8. Assignment and Transfer: Include when transfer rights need specific regulation beyond standard terms
1. Drawdown Notice: Form of notice for requesting loan disbursement
2. Conversion Notice: Form of notice for exercising conversion rights
3. Capitalization Table: Current and post-conversion capital structure of the Borrower
4. Calculation of Conversion Price: Detailed methodology for calculating the conversion price
5. Form of Shareholders' Agreement: Agreement to be entered upon conversion
6. Corporate Documents: Relevant corporate approvals and documents
7. Security Documents: If applicable, documents relating to any security provided
8. Conditions Precedent Documents: List of required documents prior to disbursement
Relevant legal definitions
Clauses
Relevant Industries
Technology
Fintech
Biotechnology
Healthcare
Clean Energy
Software Development
E-commerce
Manufacturing
Professional Services
Consumer Products
Digital Media
Telecommunications
Life Sciences
Industrial Technology
Artificial Intelligence
Relevant Teams
Legal
Finance
Corporate Development
Investment
Treasury
Compliance
Risk Management
Executive Leadership
Board of Directors
Corporate Secretariat
Relevant Roles
Chief Executive Officer
Chief Financial Officer
Investment Manager
Legal Counsel
Corporate Lawyer
Investment Director
Venture Capital Partner
Finance Director
Company Secretary
Business Development Director
Startup Founder
Angel Investor
Portfolio Manager
Risk Manager
Compliance Officer
Board Member
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