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1. Parties: Identifies the lender and borrower with complete legal names and addresses
2. Background: Explains the context of the loan and the borrower's request for financing
3. Definitions: Defines 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 the interest rate, calculation method, and payment periods
6. Repayment Terms: Outlines the repayment schedule, installment amounts, and payment methods
7. Security Provisions: Describes the assets provided as security and the nature of the security interest
8. Representations and Warranties: Sets out the borrower's confirmations regarding their legal and financial status
9. Covenants: Lists ongoing obligations of the borrower during the loan term
10. Events of Default: Defines circumstances that constitute default and their consequences
11. Enforcement Rights: Details the lender's rights and remedies upon default
12. Expenses and Indemnity: Allocates costs and establishes indemnification obligations
13. Notices: Specifies how formal communications between parties should be made
14. Governing Law and Jurisdiction: Confirms Philippine law as governing law and sets jurisdiction for disputes
15. Execution: Formal signing section with attestation requirements under Philippine law
1. Guarantor Provisions: Required when a third party guarantees the loan obligations
2. Insurance Requirements: Needed when specific insurance must be maintained for secured assets
3. Assignment and Transfer: Include when the loan may be transferable or syndicated
4. Security Trustee Provisions: Required for multiple lenders with a security trustee structure
5. Tax Provisions: Detailed tax clauses needed for large commercial loans or cross-border transactions
6. Registration Requirements: Specific requirements for registering security interests with government agencies
7. Intercreditor Provisions: Required when there are multiple creditors with different priorities
8. Foreign Currency Provisions: Needed when the loan is denominated in a currency other than Philippine Peso
1. Schedule of Secured Assets: Detailed description and/or listing of all assets provided as security
2. Repayment Schedule: Detailed amortization table showing payment dates and amounts
3. Conditions Precedent: List of documents and conditions required before loan disbursement
4. Form of Drawdown Notice: Template for borrower to request loan disbursement
5. Security Documents: Forms of additional security documentation required
6. Insurance Requirements: Detailed specifications of required insurance coverage
7. Permitted Security Interests: List of pre-approved existing or permitted future security interests
8. Financial Covenants: Detailed financial ratios and reporting requirements
Banking & Finance
Real Estate
Manufacturing
Agriculture
Technology
Construction
Retail
Energy
Transportation
Healthcare
Mining
Telecommunications
Small and Medium Enterprises
Import/Export
Infrastructure
Legal
Finance
Credit Risk
Compliance
Treasury
Corporate Banking
Risk Management
Documentation
Operations
Business Development
Corporate Secretariat
Security Administration
Portfolio Management
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Credit Risk Manager
Loan Officer
Security Trustee Officer
Compliance Officer
Treasury Manager
Financial Controller
Bank Manager
Credit Analyst
Corporate Secretary
Business Development Manager
Risk Management Officer
Documentation Specialist
Portfolio Manager
Relationship Manager
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