The Commercial Loan Term Sheet is a crucial preliminary document used in Pakistani commercial lending transactions to establish the fundamental terms of a proposed loan facility. It serves as a roadmap for the final loan documentation and is typically issued after initial credit approval but before detailed documentation begins. The document captures essential commercial terms, conditions precedent, and key covenants while ensuring compliance with Pakistani banking regulations, including State Bank of Pakistan guidelines and relevant financial laws. While generally non-binding, it represents a significant milestone in loan negotiations and helps all parties align on key terms before proceeding with comprehensive documentation. The term sheet must consider both conventional and Islamic banking principles, as both systems operate in parallel within Pakistan's financial framework.
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1. Parties: Identification of the Lender and Borrower with complete legal names and addresses
2. Background: Brief context of the loan facility and purpose
3. Definitions: Key terms used throughout the term sheet
4. Facility Type and Amount: Description of the loan type and total amount being offered
5. Purpose: Specified use of the loan proceeds
6. Interest Rate: Applicable interest rate, whether fixed or floating, and calculation method
7. Tenor: Duration of the loan facility
8. Repayment Terms: Schedule and method of principal and interest repayments
9. Security/Collateral: Details of assets or guarantees required to secure the loan
10. Conditions Precedent: Conditions that must be satisfied before loan disbursement
11. Key Covenants: Primary financial and non-financial obligations of the borrower
12. Fees: All applicable fees including arrangement, commitment, and processing fees
13. Governing Law: Specification of Pakistani law as governing law
1. Currency and Currency Hedging: Required for facilities involving foreign currency exposure
2. Islamic Banking Provisions: Required if the facility needs to be Shariah-compliant
3. Syndication Rights: Include if the lender may want to syndicate the loan
4. Green Loan Provisions: Include if the facility is structured as a green or sustainable loan
5. Political Risk Insurance: Include for large facilities or if required by lender's risk assessment
6. Multi-tranche Structure: Include if the facility is divided into multiple tranches
1. Indicative Repayment Schedule: Preliminary amortization table showing expected repayment dates and amounts
2. Security Perfection Requirements: List of required registrations and filings for security perfection
3. Condition Precedent Documents: Detailed list of required documents and conditions
4. Fee Schedule: Breakdown of all applicable fees and payment timing
5. Financial Covenants Calculations: Formulas and definitions for financial covenant calculations
Relevant legal definitions
Clauses
Relevant Industries
Banking and Financial Services
Manufacturing
Real Estate and Construction
Energy and Utilities
Telecommunications
Agriculture and Agribusiness
Healthcare
Technology
Infrastructure
Transportation and Logistics
Mining and Minerals
Retail and Consumer Goods
Education
Relevant Teams
Legal
Finance
Treasury
Credit Risk
Corporate Banking
Compliance
Operations
Investment Banking
Risk Management
Corporate Finance
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Corporate Banking Officer
Credit Risk Manager
Legal Counsel
Company Secretary
Financial Controller
Relationship Manager
Credit Analyst
Corporate Finance Manager
Banking Operations Manager
Compliance Officer
Investment Manager
Senior Loan Officer
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