Receivable Purchase Agreement

Receivable Purchase Agreement Template for Pakistan

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Key Requirements PROMPT example:

"Need a Receivable Purchase Agreement for a manufacturing company selling its trade receivables to a Pakistani bank, with a facility limit of PKR 500 million and ongoing servicing by the seller."

Document background

The Receivable Purchase Agreement is a critical instrument in trade finance and working capital management under Pakistani law. It enables businesses to monetize their accounts receivable by selling them to financial institutions or other purchasers, thereby improving liquidity and cash flow. This document type is particularly important in Pakistan's commercial landscape where businesses often face working capital constraints. The agreement must comply with local regulatory requirements, including the Contract Act 1872, Transfer of Property Act 1882, and relevant banking regulations. It typically details the mechanics of receivables transfer, purchase price calculations, representations about receivables quality, servicing arrangements, and default remedies. The document is essential for structured finance transactions, supply chain finance programs, and factoring arrangements in Pakistan.

Suggested Sections

1. Parties: Identification of the Seller and Purchaser with full legal names and addresses

2. Background: Context of the transaction, nature of the receivables, and purpose of the agreement

3. Definitions: Defined terms used throughout the agreement, including financial terms, document references, and key concepts

4. Purchase and Sale: Core provisions regarding the sale of receivables, purchase price, and transfer mechanics

5. Conditions Precedent: Conditions that must be satisfied before purchases can occur

6. Representations and Warranties: Seller's representations regarding receivables, authority, and compliance with laws

7. Perfection and Notice Requirements: Requirements for perfecting the transfer under Pakistani law, including registration and notices

8. Payment Mechanics: Details of how payments will be made, including account details and currency

9. Taxes: Treatment of taxes, including stamp duty and withholding requirements

10. Events of Default: Circumstances constituting default and consequences

11. Termination: Termination events and process

12. Governing Law and Jurisdiction: Specification of Pakistani law and jurisdiction details

13. Miscellaneous: Standard boilerplate provisions including notices, amendments, and severability

Optional Sections

1. Servicing Arrangements: Include when the seller continues to service the receivables post-sale

2. Credit Enhancement: Include when there are guarantees, overcollateralization, or other credit support features

3. Repurchase Obligations: Include when the seller may be required to repurchase certain receivables

4. Islamic Finance Compliance: Include when the transaction needs to comply with Islamic finance principles

5. Foreign Exchange Provisions: Include when receivables are in foreign currency

6. Data Protection: Include when personal data is involved in the receivables

7. Anti-Money Laundering: Include when required by the nature of the receivables or parties involved

Suggested Schedules

1. Schedule 1 - Receivables List: Detailed list of receivables being purchased, including obligor details, amounts, and due dates

2. Schedule 2 - Eligibility Criteria: Criteria that receivables must meet to be eligible for purchase

3. Schedule 3 - Form of Transfer Notice: Template for notices to be sent to obligors regarding the transfer

4. Schedule 4 - Purchase Price Calculation: Formula and methodology for calculating the purchase price

5. Schedule 5 - Required Documents: List of documents required for each purchase

6. Schedule 6 - Form of Servicing Report: Template for periodic servicing reports if applicable

7. Appendix A - Contact Details: Contact information for key personnel and notices

8. Appendix B - Compliance Certificates: Forms of various compliance certificates required under the agreement

Authors

Alex Denne

Head of Growth (Open Source Law) @ ��Ƶ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co

Relevant legal definitions

Clauses

Relevant Industries

Banking and Financial Services

Manufacturing

Trading and Distribution

Technology and Software

Healthcare

Construction and Infrastructure

Telecommunications

Energy and Utilities

Retail

Logistics and Transportation

Relevant Teams

Legal

Finance

Treasury

Credit and Collections

Risk Management

Operations

Compliance

Commercial

Business Development

Accounts Receivable

Relevant Roles

Chief Financial Officer

Finance Director

Treasury Manager

Financial Controller

Credit Manager

Legal Counsel

Compliance Officer

Accounts Receivable Manager

Corporate Finance Manager

Risk Manager

Commercial Director

Business Development Manager

Operations Manager

Collection Manager

Transaction Manager

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Authors

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