The Loan Against Shares Agreement is a specialized financing document used when borrowers seek to obtain loans using their shareholdings as collateral. This agreement is particularly relevant in the Philippine financial market where share-based lending is regulated under the Securities Regulation Code and BSP guidelines. The document is utilized when shareholders need liquidity without selling their shares, enabling them to leverage their equity holdings while maintaining potential upside in the shares. It includes comprehensive provisions for share valuation, margin maintenance, rights and obligations of parties, and enforcement mechanisms in case of default. The agreement must comply with Philippine banking regulations, securities laws, and corporate requirements, particularly regarding share transfers and pledges. It's commonly used by high-net-worth individuals, corporate entities, and investment holding companies seeking financing while retaining beneficial ownership of their shares.
Your data doesn't train Genie's AI
You keep IP ownership of your information
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
OR
Let Ƶ's market-leading legal AI identify missing terms, unusual language, compliance issues and more - in just seconds.
1. Parties: Identification of the Lender and Borrower with complete details including registration numbers and addresses
2. Background: Context of the loan agreement, relationship between parties, and purpose of the loan
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specifies the principal amount of the loan and its intended use
5. Interest Rate and Calculations: Details of interest rate, calculation method, and payment periods
6. Security and Pledge of Shares: Description of shares being pledged as security, including quantity, class, and issuing company
7. Representations and Warranties: Statements of fact by the Borrower regarding their authority, share ownership, and absence of encumbrances
8. Covenants: Ongoing obligations of the Borrower during the loan term
9. Events of Default: Circumstances that constitute default and trigger enforcement rights
10. Enforcement Rights: Lender's rights and remedies upon default, including share disposal
11. Term and Repayment: Duration of the loan and repayment terms
12. Costs and Expenses: Allocation of transaction costs and ongoing expenses
13. Notices: Process for formal communications between parties
14. Governing Law and Jurisdiction: Specification of Philippine law as governing law and jurisdiction for disputes
15. Execution: Signature blocks and execution formalities
1. Security Margin and Top-up: Used when the agreement includes provisions for maintaining a minimum security value and requirements for additional collateral
2. Dividend Rights: Include when there are specific arrangements about how dividends on pledged shares will be handled
3. Corporate Actions: Required when addressing rights and procedures regarding corporate actions affecting the pledged shares
4. Insurance: Include if insurance of the pledged shares or related assets is required
5. Share Transfer Restrictions: Used when there are specific limitations on share transfers beyond the standard pledge restrictions
6. Guarantor Provisions: Include when there is a third-party guarantor for the loan
7. Cross-Default: Used when the default under other specified agreements should trigger default under this agreement
8. Rating Trigger: Include if loan terms are affected by credit rating changes of either party
1. Schedule 1 - Share Details: Detailed description of pledged shares including share certificates numbers, distinctive numbers, and corporate details
2. Schedule 2 - Repayment Schedule: Detailed payment schedule including dates, amounts, and breakdown of principal and interest
3. Schedule 3 - Security Margin Calculations: Formula and examples for calculating security margin and top-up requirements
4. Schedule 4 - Form of Transfer Deed: Template for share transfer deed to be used in case of enforcement
5. Schedule 5 - Conditions Precedent: List of documents and conditions required before loan disbursement
6. Appendix A - Corporate Authorizations: Copies of relevant corporate authorizations and board resolutions
7. Appendix B - Share Certificates: Copies of share certificates being pledged
8. Appendix C - Specimen Signatures: Authorized signatures for both parties for documentation purposes
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Investment Management
Securities Trading
Corporate Finance
Asset Management
Wealth Management
Private Equity
Stock Brokerage
Investment Banking
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit
Securities Services
Portfolio Management
Operations
Documentation
Relevant Roles
Chief Financial Officer
Treasury Manager
Legal Counsel
Compliance Officer
Risk Manager
Investment Officer
Credit Manager
Corporate Secretary
Finance Director
Relationship Manager
Securities Officer
Portfolio Manager
Loan Officer
Corporate Banking Officer
Financial Controller
Business Development Manager
Find the exact document you need
Pledge Agreement (Real Estate)
A Philippine law-governed security agreement where real property is pledged as collateral to secure a debt or obligation.
Download
Membership Pledge Agreement
A Philippine law-governed agreement that establishes formal membership terms, rights, and obligations between an organization and its members.
Download
Motor Vehicle Security Agreement
A Philippine law-governed agreement establishing a security interest in a motor vehicle as collateral for a loan or financial obligation.
Download
Security Interest Contract
A Philippine law-governed agreement creating a security interest in assets to secure an obligation, subject to the Personal Property Security Act and related legislation.
Download
Real Estate Security Agreement
A Philippine law-governed agreement creating a security interest over real property as collateral for a loan or obligation.
Download
Personal Information Confidentiality Agreement
A Philippine law-compliant agreement establishing confidentiality obligations for handling personal information, aligned with the Data Privacy Act of 2012.
Download
Security Agreement For Promissory Note
A Philippine law-governed security agreement that creates a security interest in collateral to secure obligations under a promissory note.
Download
Stock Transfer Agreement Gift
A Philippine law-compliant agreement for the gratuitous transfer of corporate shares from a donor to a donee, incorporating necessary tax and regulatory requirements.
Download
Security Deposit Agreement
A Philippine law-governed agreement establishing terms for handling, maintaining, and returning a security deposit between parties, typically used in property rental or service arrangements.
Download
Penetration Testing Confidentiality Agreement
A Philippine-law governed agreement establishing confidentiality terms and authorized activities for cybersecurity penetration testing services.
Download
Data Privacy Contract
A Philippine law-compliant contract governing personal data processing arrangements between parties, aligned with the Data Privacy Act of 2012.
Download
Collateral Substitution Agreement
A Philippine law-governed agreement enabling the substitution of loan collateral while maintaining security interest continuity and regulatory compliance.
Download
Agreement To Exclude Security Of Tenure
A Philippine law-compliant agreement that establishes fixed-term employment by excluding security of tenure provisions, subject to Labor Code requirements.
Download
Security Agreement Contract
A Philippine law-governed agreement creating security interests over collateral to secure obligations, complying with the Personal Property Security Act.
Download
Stock Collateral Loan Agreement
A Philippine law-governed agreement establishing terms for a loan secured by shares of stock, including collateral arrangements and enforcement mechanisms.
Download
Stock Pledge And Security Agreement
A Philippine law-governed agreement creating a security interest over shares of stock as collateral for securing obligations.
Download
Tri Party Collateral Agreement
A Philippine law-governed agreement establishing arrangements between three parties for the management and custody of collateral assets.
Download
Purchase Money Security Agreement
A Philippine law-governed agreement creating a security interest in purchased property, establishing purchase terms and secured party's rights under the Personal Property Security Act.
Download
Loan Against Shares Agreement
A Philippine law-governed agreement establishing terms for a loan secured by shares as collateral, detailing pledge arrangements and security mechanisms.
Download
Note And Security Agreement
A Philippine law-governed agreement combining loan terms and security arrangements, establishing both debt obligations and collateral rights.
Download
Debenture Trustee Agreement
A Philippine law-governed agreement appointing and establishing the duties of a trustee to protect debenture holders' interests in a debenture issuance.
Download
Irrevocable Pledge Agreement
A Philippine law-governed security agreement creating an irrevocable pledge over specific assets as collateral for securing obligations.
Download
Guaranty And Security Agreement
A Philippine law-governed agreement combining a personal guarantee with security interests in collateral to secure obligations, subject to local secured transactions laws.
Download
Global Master Repurchase Agreement
A master agreement for repurchase transactions in the Philippines, compliant with BSP and SEC regulations, governing securities financing between financial institutions.
Download
Equipment Security Agreement
A Philippine law-governed agreement creating security interests in equipment as collateral for loans or obligations, regulated under the Personal Property Security Act.
Download
Auto Loan Security Agreement
A Philippine law-governed agreement creating a security interest in a financed vehicle, establishing loan terms and collateral arrangements under local banking and consumer protection regulations.
Download
Personal Security Agreement
A legally-binding agreement under Philippine law that establishes terms and conditions for security service provision, ensuring compliance with RA 5487 and related regulations.
Download
Omnibus Loan And Security Agreement
A Philippine law-governed agreement combining multiple loan facilities and security arrangements into a single comprehensive financing document.
Download
Collateral Account Control Agreement
A Philippine law-governed agreement establishing control over a bank account as collateral security between an account holder, secured party, and deposit bank.
Download
Collateral Account Agreement
A Philippine law-governed agreement establishing security over a bank account and its contents, setting out control and enforcement rights.
Download
Chattel Security Agreement
A Philippine law-governed agreement creating security interests in personal property (chattel) to secure obligations, regulated under the Personal Property Security Act.
Download
Account Control Agreement Collateral
A Philippine law-governed tripartite agreement establishing control over deposit accounts as collateral security, enabling perfection of security interests under local law.
Download
Retail Installment Contract And Security Agreement
A Philippine law-governed agreement combining retail installment sales terms with security provisions for consumer goods purchases, ensuring seller protection and compliance with local consumer protection laws.
Download
Subordinated Creditors Security Agreement
A Philippine law-governed agreement establishing security interests and creditor priorities in secured financing arrangements, regulating relationships between senior and subordinated creditors.
Download
Personal Loan Contract With Collateral
A Philippine law-governed agreement establishing terms for a personal loan secured by collateral, including security interest provisions and regulatory compliance requirements.
Download
Shareholder Agreement Transfer Of Shares
A Philippine law-governed agreement documenting the transfer of shares between shareholders, setting out terms, conditions, and regulatory compliance requirements.
Download
Stock Transfer Restriction Agreement
A Philippine law-governed agreement that establishes restrictions and procedures for corporate share transfers, protecting existing shareholders' interests and maintaining ownership control.
Download
Third Party Collateral Agreement
A Philippine law-governed agreement where a third party provides their assets as collateral to secure another party's obligations to a creditor.
Download
Security Control Agreement
A Philippine-law governed agreement establishing security control measures and compliance requirements, ensuring alignment with local data protection and cybersecurity regulations.
Download
Key Holding Agreement
A Philippine-compliant agreement establishing terms for professional key custody services, including security protocols and liability arrangements.
Download
ұԾ’s Security Promise
Genie is the safest place to draft. Here’s how we prioritise your privacy and security.
Your documents are private:
We do not train on your data; ұԾ’s AI improves independently
All data stored on Genie is private to your organisation
Your documents are protected:
Your documents are protected by ultra-secure 256-bit encryption
We are ISO27001 certified, so your data is secure
Organizational security:
You retain IP ownership of your documents and their information
You have full control over your data and who gets to see it
.png)