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Secured Loan Note

Secured Loan Note Template for Hong Kong

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Key Requirements PROMPT example:

Secured Loan Note

"I need a Secured Loan Note for a HKD 5 million loan to a manufacturing company, secured against their equipment and receivables, with quarterly interest payments and a final maturity date of March 15, 2025."

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Document background
The Secured Loan Note is a vital financing instrument used in Hong Kong when a lender requires security for a loan transaction. It is particularly relevant when businesses or individuals seek substantial financing while offering specific assets as collateral. The document combines elements of a traditional promissory note with comprehensive security arrangements, complying with Hong Kong's legal framework, including the Companies Ordinance, Money Lenders Ordinance, and relevant security registration requirements. A Secured Loan Note typically includes detailed provisions about the loan terms, security package, enforcement mechanisms, and the rights and obligations of all parties involved. It is especially important in commercial lending scenarios where the lender requires additional protection beyond mere contractual promises of repayment.
Suggested Sections

1. Parties: Identification of the lender and borrower, including full legal names and addresses

2. Background: Context of the loan arrangement and brief description of the security being provided

3. Definitions: Definitions of key terms used throughout the document

4. Loan Amount and Purpose: Specification of the principal amount and permitted use of the loan proceeds

5. Interest: Interest rate, calculation method, and payment terms

6. Repayment Terms: Schedule of repayments, prepayment provisions, and payment mechanics

7. Security: Description of the assets provided as security and the nature of the security interest

8. Representations and Warranties: Standard representations and warranties from the borrower

9. Covenants: Positive and negative obligations of the borrower during the loan term

10. Events of Default: Circumstances constituting default and consequences

11. Enforcement: Rights and remedies of the lender upon default

12. Expenses and Indemnity: Allocation of costs and indemnification obligations

13. Notices: Process for giving formal notices under the agreement

14. Assignment and Transfer: Rights to assign or transfer the loan note and/or security

15. Governing Law and Jurisdiction: Hong Kong law as governing law and jurisdiction for disputes

16. Execution: Signature blocks and execution formalities

Optional Sections

1. Guarantee: Include when there is a guarantor for the loan

2. Insurance: Include when specific insurance requirements are imposed on the secured assets

3. Further Assurance: Include when additional documentation or actions may be required to perfect security

4. Tax Gross-up: Include when tax implications need to be addressed explicitly

5. Security Trustee: Include when there are multiple lenders requiring a security trustee arrangement

6. Subordination: Include when the loan needs to be subordinated to other debt

7. Currency Provisions: Include for loans involving multiple currencies

8. Registration Requirements: Include when specific registration obligations need to be detailed

Suggested Schedules

1. Loan Repayment Schedule: Detailed amortization schedule showing principal and interest payments

2. Security Assets Schedule: Detailed description and/or list of assets comprising the security

3. Form of Notice of Assignment: Template for any required notices of assignment

4. Conditions Precedent: List of documents and conditions required before loan drawdown

5. Form of Drawdown Notice: Template for requesting disbursement of the loan

6. Perfection Requirements: List of actions required to perfect the security interest

7. Permitted Security Interests: List of pre-existing or permitted security interests over the assets

8. Form of Compliance Certificate: Template for periodic compliance certification by borrower

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions

















































Clauses






































Relevant Industries

Banking & Financial Services

Real Estate

Manufacturing

Trading & Commerce

Technology

Construction

Retail

Logistics

Healthcare

Professional Services

Agriculture

Mining & Resources

Relevant Teams

Legal

Finance

Treasury

Risk Management

Compliance

Corporate Secretarial

Credit Assessment

Collateral Management

Commercial

Business Development

Executive Management

Relevant Roles

Chief Financial Officer

Finance Director

Legal Counsel

Corporate Lawyer

Finance Manager

Treasury Manager

Risk Manager

Credit Manager

Compliance Officer

Company Secretary

Security Trustee

Loan Officer

Commercial Director

Business Development Manager

Managing Director

Chief Executive Officer

Industries








Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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