The Sub Loan Agreement is a crucial document in structured financing arrangements in India, typically used when a primary lender provides funds to an intermediate entity for further lending to ultimate borrowers. This arrangement is common in infrastructure projects, development finance, and other scenarios where funds need to be channeled through intermediate entities for regulatory, commercial, or operational reasons. The agreement must comply with Indian banking regulations, particularly RBI guidelines on intermediary lending, and includes detailed provisions on loan terms, security structures, monitoring mechanisms, and compliance requirements. It's essential for implementing multi-tier lending structures while maintaining proper control and oversight of fund utilization.
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1. Parties: Identification of the lender and borrower, including their registered addresses and company details
2. Background: Context of the sub-loan arrangement, including reference to any master facility agreement and purpose of the sub-loan
3. Definitions and Interpretation: Definitions of key terms used in the agreement and rules of interpretation
4. The Facility: Details of the loan amount, purpose, and drawdown mechanisms
5. Interest and Fees: Interest rate, calculation method, payment periods, and any applicable fees
6. Repayment Terms: Repayment schedule, prepayment provisions, and payment mechanics
7. Conditions Precedent: Conditions that must be satisfied before loan disbursement
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 constituting default and consequences thereof
11. Taxes and Expenses: Allocation of tax liabilities and transaction expenses
12. Notices: Communication methods and contact details for official notices
13. Governing Law and Jurisdiction: Applicable law and courts having jurisdiction
14. Miscellaneous: Standard boilerplate provisions including amendments, assignments, and severability
1. Security: Include when the sub-loan is secured by any assets or guarantees
2. Guarantees: Include when there are third-party guarantors for the loan
3. Insurance: Include when specific insurance requirements are imposed on the borrower
4. Step-in Rights: Include when lender requires right to take control in specific circumstances
5. Subordination: Include when the sub-loan needs to be subordinated to other debt
6. Currency Provisions: Include for loans involving foreign currency
7. Appointment of Agents: Include when facility or security agents are involved
8. Account Bank Arrangements: Include when specific bank account structures are required
1. Loan Terms Schedule: Detailed terms including amount, interest rate, tenor, and repayment schedule
2. Conditions Precedent Documents: List of required documents and conditions to be satisfied
3. Form of Drawdown Notice: Template for borrower to request loan disbursement
4. Repayment Schedule: Detailed amortization schedule if applicable
5. Security Details: Description of security assets and perfection requirements
6. Form of Compliance Certificate: Template for periodic compliance reporting
7. Permitted Security: List of security interests permitted under the agreement
8. Existing Financial Indebtedness: Details of borrower's existing debt obligations
9. Form of Assignment Agreement: Template for transfer or assignment of loan rights
Relevant legal definitions
Clauses
Relevant Industries
Banking and Financial Services
Infrastructure
Real Estate
Manufacturing
Energy
Telecommunications
Healthcare
Education
Agriculture
Transportation
Mining
Retail
Technology
Hospitality
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Credit
Corporate Finance
Investment Banking
Portfolio Management
Operations
Company Secretarial
Corporate Affairs
Relevant Roles
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Finance Manager
Treasury Manager
Risk Manager
Compliance Officer
Credit Manager
Investment Officer
Portfolio Manager
Transaction Manager
Company Secretary
Financial Controller
Relationship Manager
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