A Company Loan Agreement is essential when an Irish company seeks to borrow funds from a financial institution or other lender. This document is used in commercial lending transactions where a company requires financing for various purposes such as working capital, expansion, asset acquisition, or refinancing existing debt. The agreement must comply with Irish law, particularly the Companies Act 2014 and relevant banking regulations. It typically includes detailed provisions on loan facilities, drawdown conditions, interest calculations, repayment terms, security arrangements, borrower covenants, and default scenarios. The document is crucial for protecting both lender and borrower interests while ensuring the transaction meets all regulatory requirements in Ireland. It's particularly important for establishing clear terms, maintaining compliance with Irish corporate and banking laws, and providing a framework for managing the lending relationship throughout the loan term.
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1. Parties: Identifies the lender and borrower with their full legal names, registration numbers, and registered addresses
2. Background: Sets out the context of the loan agreement and the parties' intentions
3. Definitions: Defines key terms used throughout the agreement for clarity and consistency
4. The Loan: Details the principal amount, purpose, and drawdown conditions
5. Interest: Specifies interest rate(s), calculation method, and payment frequency
6. Repayment: Sets out repayment schedule, payment methods, and prepayment provisions
7. Security: Details any security or collateral for the loan
8. Representations and Warranties: Statements of fact and assurances given by the borrower
9. Covenants: Positive and negative obligations of the borrower during the loan term
10. Events of Default: Circumstances that constitute default and consequences
11. Boilerplate Clauses: Standard legal provisions including notices, amendments, governing law
1. Guarantees: Required when personal or corporate guarantees are provided for the loan
2. Financial Covenants: Include when specific financial ratios or metrics need to be maintained
3. Information Undertakings: Required for larger loans where regular financial reporting is needed
4. Tax Gross-Up: Include when tax implications need to be addressed explicitly
5. Increased Costs: Required when regulatory changes might affect the lender's costs
6. Assignment and Transfer: Include when either party may need to transfer their rights/obligations
7. Multiple Lenders: Required when there is more than one lender involved
1. Conditions Precedent: List of documents and conditions required before loan drawdown
2. Repayment Schedule: Detailed schedule of repayment dates and amounts
3. Form of Drawdown Notice: Template for the borrower to request loan disbursement
4. Security Documents: Forms of security documents if applicable
5. Financial Covenants Calculations: Formulas and methods for calculating financial covenants
6. Guarantor Documents: Forms of guarantee and related documents if applicable
Relevant legal definitions
Clauses
Relevant Industries
Banking & Financial Services
Corporate Lending
Private Equity
Investment Management
Commercial Real Estate
Manufacturing
Technology
Retail
Healthcare
Construction
Professional Services
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit
Company Secretariat
Senior Management
Board of Directors
Relevant Roles
Chief Financial Officer
Finance Director
Corporate Lawyer
Legal Counsel
Banking Lawyer
Treasury Manager
Financial Controller
Company Secretary
Risk Manager
Compliance Officer
Commercial Director
Managing Director
Credit Manager
Relationship Manager
Corporate Banking Manager
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