The Bilateral Loan Agreement is a fundamental document used in financing transactions where a single lender provides a loan facility to a borrower. This agreement is specifically tailored for use under Hong Kong law and incorporates local regulatory requirements and market practices. It is commonly used for corporate loans, asset financing, working capital facilities, and term loans. The document includes comprehensive provisions covering the facility terms, security arrangements (if any), representations and warranties, covenants, and events of default. It differs from syndicated loan agreements in that it involves only two main parties and typically has simpler administrative provisions. The agreement must comply with Hong Kong regulatory requirements, including those under the Money Lenders Ordinance and Banking Ordinance where applicable.
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1. Parties: Identification of the lender and borrower with full legal names and addresses
2. Background: Context of the loan arrangement and purpose of the facility
3. Definitions and Interpretation: Definitions of key terms used in the agreement and rules of interpretation
4. The Facility: Core terms of the loan including amount, purpose, and availability period
5. Interest: Interest rate, calculation methods, payment periods, and default interest provisions
6. Repayment: Terms for repayment of principal, including schedule and prepayment provisions
7. Payments: Payment mechanics, business day conventions, and currency provisions
8. Representations and Warranties: Standard representations and warranties given by the borrower
9. Information Undertakings: Borrower's obligations to provide financial and other information
10. General Undertakings: Borrower's general covenants and obligations
11. Events of Default: Circumstances constituting default and consequences
12. Changes to Parties: Assignment and transfer provisions
13. Administration: Notice requirements, calculations, and other administrative provisions
14. Governing Law and Enforcement: Choice of law and jurisdiction provisions
1. Security: Required if the loan is secured, detailing the security arrangements and enforcement rights
2. Conditions Precedent: Include if there are specific conditions to be met before drawdown
3. Financial Covenants: Include for corporate borrowers where financial ratios need to be maintained
4. Increased Costs and Tax Gross-up: Include for more sophisticated transactions or where tax implications are significant
5. Multiple Currencies: Required if the loan can be drawn in different currencies
6. Guarantees: Include if there are guarantors supporting the borrower's obligations
7. Set-off Rights: Include if specific set-off rights are required beyond common law rights
8. Break Costs: Include for fixed rate loans or where early repayment may cause lender losses
1. Form of Drawdown Request: Standard form for the borrower to request loan disbursements
2. Repayment Schedule: Detailed schedule of repayment dates and amounts
3. Conditions Precedent Documents: List of required documents and conditions for initial drawdown
4. Form of Transfer Certificate: Standard form for transferring loan participations
5. Interest Calculation Examples: Examples showing how interest will be calculated in various scenarios
6. Form of Compliance Certificate: Template for periodic compliance reporting by borrower
7. Security Documents: Forms of security documents if loan is secured
8. Fee Schedule: Detailed breakdown of all applicable fees and charges
Relevant legal definitions
Clauses
Relevant Industries
Banking & Financial Services
Corporate Finance
Real Estate
Manufacturing
Trading & Commerce
Technology
Infrastructure
Healthcare
Retail
Hospitality
Energy & Resources
Transportation & Logistics
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Credit
Corporate Secretarial
Banking Operations
Relationship Management
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Compliance Officer
Credit Risk Manager
Relationship Manager
Loan Officer
Financial Controller
Company Secretary
Banking Executive
Senior Finance Manager
Risk Officer
Transaction Manager
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