The Revolving Credit Facility Agreement is a crucial financing document used when a borrower requires flexible access to funding over an extended period. This agreement, governed by Pakistani law, enables borrowers to draw down, repay, and re-borrow funds multiple times within a prescribed limit and tenure. It incorporates mandatory requirements under Pakistani banking regulations, including the Banking Companies Ordinance 1962, State Bank of Pakistan guidelines, and where applicable, Islamic banking principles. The document is particularly useful for businesses with fluctuating working capital needs or seasonal funding requirements, providing detailed terms for utilization, interest calculation, security arrangements, financial covenants, and reporting obligations. It includes specific provisions for compliance with local regulatory requirements, including foreign exchange regulations when applicable.
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1. Parties: Identification of the lender(s), borrower(s), and any guarantors or security providers
2. Background: Recitals explaining the context and purpose of the facility
3. Definitions and Interpretation: Comprehensive definitions of terms used in the agreement and interpretation rules
4. The Facility: Core terms of the revolving credit facility including amount, purpose, and availability period
5. Conditions Precedent: Conditions that must be satisfied before drawdown
6. Drawdown Mechanics: Procedures and requirements for utilizing the facility
7. Repayment and Prepayment: Terms for repayment, prepayment options, and consequences
8. Interest and Fees: Interest calculation, payment terms, and applicable fees
9. Tax Provisions: Treatment of taxes, withholding requirements, and gross-up provisions
10. Representations and Warranties: Borrower's confirmations regarding its status and capacity
11. Information Undertakings: Borrower's obligations to provide financial and other information
12. Financial Covenants: Financial ratios and tests the borrower must maintain
13. General Undertakings: Borrower's operational and corporate obligations
14. Events of Default: Circumstances constituting default and consequences
15. Changes to Parties: Rules for assignments, transfers, and changes to facility participants
16. Administration: Payment mechanics, calculations, and notices
17. Governing Law and Enforcement: Choice of law, jurisdiction, and dispute resolution provisions
1. Islamic Banking Provisions: Required if the facility needs to comply with Shariah principles
2. Security Provisions: Required if the facility is secured, detailing the security structure
3. Guarantees: Required if third-party guarantees are part of the credit support
4. Syndication Provisions: Required for syndicated facilities with multiple lenders
5. Foreign Currency Provisions: Required if the facility involves foreign currency
6. Increased Costs and Market Disruption: Optional provisions for managing market changes and regulatory costs
7. Set-off Rights: Optional provisions for lender's set-off rights
8. Multi-currency Provisions: Required if multiple currencies are permitted under the facility
1. Conditions Precedent: Detailed list of required documents and conditions
2. Form of Drawdown Request: Template for borrower's utilization requests
3. Form of Compliance Certificate: Template for periodic compliance confirmation
4. Repayment Schedule: If applicable, schedule of repayment dates and amounts
5. Financial Covenants Calculations: Detailed methodology for calculating financial covenants
6. Security Documents: List and copies of security documentation
7. Existing Encumbrances: List of permitted existing security interests
8. Form of Transfer Certificate: Template for transferring participations in the facility
9. Form of Assignment Agreement: Template for assigning rights under the facility
10. Contact Details: Administrative and notice details for all parties
Relevant legal definitions
Clauses
Relevant Industries
Banking and Financial Services
Manufacturing
Real Estate and Construction
Energy and Utilities
Telecommunications
Technology
Healthcare
Retail and Consumer Goods
Agriculture
Transportation and Logistics
Mining and Natural Resources
Infrastructure Development
Export and Import
Hospitality
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit
Operations
Company Secretarial
Transaction Management
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Corporate Banking Officer
Credit Risk Manager
Legal Counsel
Compliance Officer
Relationship Manager
Corporate Finance Manager
Financial Controller
Company Secretary
Banking Operations Manager
Credit Analyst
Transaction Manager
Facility Administrator
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