The Mezzanine Loan Agreement is a sophisticated financing instrument used when companies require additional funding beyond traditional senior debt but are not ready for pure equity investment. This document is particularly relevant in the Indonesian market where growing companies often need flexible financing solutions to fund expansion, acquisitions, or major capital expenditures. The agreement addresses key aspects such as subordination to senior debt, security arrangements, and equity conversion rights, while ensuring compliance with Indonesian financial regulations, including OJK (Financial Services Authority) requirements and Bank Indonesia regulations. The document typically includes comprehensive provisions for interest calculation methods, repayment terms, financial covenants, and detailed conversion mechanics, making it suitable for complex financing structures in the Indonesian context.
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1. Parties: Identification of the lender(s), borrower(s), and any guarantors or security providers
2. Background: Context of the transaction, including the purpose of the loan and its relationship to senior debt facilities
3. Definitions and Interpretation: Definitions of key terms and interpretation rules, including Indonesian law-specific terminology
4. The Facility: Details of the loan amount, purpose, and availability period
5. Interest and Fees: Interest calculation, payment dates, default interest, and all applicable fees
6. Conversion Rights: Terms and conditions for converting the loan into equity, including trigger events and conversion price mechanisms
7. Repayment and Prepayment: Scheduled repayment terms, voluntary and mandatory prepayment provisions
8. Security: Description of security package and ranking relative to other debt
9. Representations and Warranties: Standard and transaction-specific representations and warranties
10. Covenants: Financial and operational covenants, including information requirements
11. Events of Default: Circumstances constituting default and consequences
12. Changes to Parties: Transfer and assignment provisions
13. Administration: Payment mechanics, notices, calculations
14. Governing Law and Enforcement: Choice of Indonesian law and jurisdiction provisions
15. Subordination: Provisions regarding ranking and subordination to senior debt
1. Intercreditor Provisions: Required when there are multiple creditors or tranches of debt
2. PIK Interest: Include when payment-in-kind interest is part of the structure
3. Currency Protection: Required for multi-currency facilities or if loan and revenue currencies differ
4. Tax Gross-Up and Indemnities: Detailed tax provisions if cross-border elements exist
5. Bank Account Provisions: Required when specific account structure or cash management system is needed
6. Shareholder Rights: Include when mezzanine lender receives specific shareholder rights pre-conversion
7. Industry Specific Provisions: Required for regulated industries or specific sector requirements
8. Multiple Lender Provisions: Include for syndicated mezzanine facilities
1. Form of Drawdown Request: Standard form for requesting loan disbursements
2. Conditions Precedent: Detailed list of required documents and conditions
3. Security Documents: Forms of security documents and filings required under Indonesian law
4. Conversion Mechanics: Detailed procedures and calculations for equity conversion
5. Financial Covenants: Detailed calculations and definitions for financial covenants
6. Form of Transfer Certificate: Standard form for transfers of loan participations
7. Repayment Schedule: Detailed amortization schedule if applicable
8. Form of Compliance Certificate: Template for periodic compliance reporting
9. Security Perfection Requirements: Checklist of Indonesian law security perfection requirements
10. Shareholders Agreement Terms: Key terms to be included in shareholders agreement upon conversion
Relevant legal definitions
Clauses
Relevant Industries
Real Estate Development
Infrastructure
Manufacturing
Technology
Renewable Energy
Mining
Telecommunications
Healthcare
Retail
Hospitality
Financial Services
Agriculture
Transportation
Education
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Development
Investment
Credit
Corporate Finance
Corporate Secretariat
Business Development
Relevant Roles
Chief Financial Officer
Finance Director
Legal Director
Corporate Finance Manager
Investment Manager
Treasury Manager
Legal Counsel
Compliance Officer
Risk Manager
Corporate Secretary
Investment Banker
Private Equity Manager
Credit Risk Officer
Financial Controller
Business Development Director
Managing Director
Transaction Manager
Debt Finance Manager
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