The Bridge Loan Agreement serves as a fundamental legal document for short-term financing arrangements in New Zealand's financial market. This document type is specifically designed for situations where temporary funding is required to bridge a gap between immediate capital needs and long-term financing solutions. Commonly used in real estate transactions, corporate acquisitions, and project financing, a Bridge Loan Agreement must comply with New Zealand's regulatory framework, including the Credit Contracts and Consumer Finance Act 2003 and Financial Service Providers Registration requirements. The agreement typically includes comprehensive terms covering loan facilities, security arrangements, repayment conditions, and borrower obligations, while incorporating specific provisions for New Zealand's legal and business environment.
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1. Parties: Identification of the lender and borrower with full legal names and addresses
2. Background: Context of the bridge loan, including purpose and intended permanent financing arrangement
3. Definitions: Definitions of key terms used throughout the agreement
4. Facility Details: Loan amount, purpose, and drawdown conditions
5. Interest and Fees: Interest rate, calculation method, fees, and payment schedules
6. Repayment Terms: Repayment schedule, prepayment provisions, and maturity date
7. Conditions Precedent: Conditions that must be satisfied before loan drawdown
8. Representations and Warranties: Borrower's statements of fact and assurances
9. Covenants: Positive and negative obligations of the borrower during the loan term
10. Events of Default: Circumstances constituting default and consequences
11. General Provisions: Standard contract clauses including notices, amendments, governing law
1. Security Arrangements: Include when the bridge loan is secured by assets or guarantees
2. Guarantor Provisions: Required when there are third-party guarantors for the loan
3. Take-out Financing Arrangements: Include when there are specific arrangements for permanent financing
4. Insurance Requirements: Include when specific insurance coverage is required for secured assets
5. Special Purpose Vehicle Provisions: Include when the borrower is an SPV or when SPV requirements apply
6. Regulatory Compliance: Include specific sections for regulated borrowers or activities
7. Intercreditor Provisions: Include when there are multiple lenders or ranking of security
8. Cost Overrun Provisions: Include for property or project-related bridge financing
1. Drawdown Notice: Form of notice for requesting loan disbursement
2. Conditions Precedent Documents: List of required documents and conditions for drawdown
3. Repayment Schedule: Detailed schedule of repayment dates and amounts
4. Security Details: Description of security assets and registration requirements
5. Fee Schedule: Detailed breakdown of all applicable fees
6. Form of Compliance Certificate: Template for periodic compliance certification
7. Permitted Security Interests: List of pre-approved security interests
8. Required Insurance: Details of required insurance coverage and terms
Relevant legal definitions
Clauses
Relevant Industries
Real Estate
Construction
Infrastructure
Private Equity
Manufacturing
Retail
Technology
Healthcare
Hospitality
Energy
Mining
Agriculture
Professional Services
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Credit
Corporate Development
Real Estate
Project Finance
Business Development
Investment
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Finance Manager
Risk Manager
Credit Manager
Compliance Officer
Investment Manager
Real Estate Director
Project Finance Manager
Corporate Secretary
Managing Director
Business Development Manager
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