The Term Loan Agreement is a fundamental financing document used when a borrower needs to secure fixed-term funding for specific purposes such as capital expenditure, acquisition financing, or general corporate purposes. This agreement, governed by U.S. law, comprehensively details the rights and obligations of all parties, including loan terms, security arrangements, representations, warranties, and covenants. It incorporates relevant federal and state regulatory requirements, including usury laws and consumer protection provisions, and can be adapted for various transaction sizes and complexities.
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1. Parties: Identification of lender(s) and borrower(s), including full legal names and addresses
2. Background: Recitals explaining the context and purpose of the loan
3. Definitions: Key terms used throughout the agreement
4. Loan Amount and Terms: Principal amount, interest rate, maturity date, and repayment schedule
5. Conditions Precedent: Conditions that must be satisfied before loan disbursement
6. Representations and Warranties: Borrower's statements about its legal and financial condition
7. Covenants: Ongoing obligations of the borrower (positive and negative)
8. Events of Default: Circumstances constituting default and consequences
9. Miscellaneous: Standard legal provisions including notices, amendments, governing law
1. Security: Details of collateral and security arrangements for secured loans
2. Guarantees: Terms of any guarantees provided by third-party guarantors
3. Subordination: Priority of the loan relative to other debt when there are multiple creditors
4. Tax Provisions: Allocation of tax obligations and withholding requirements for cross-border loans or complex tax situations
1. Repayment Schedule: Detailed amortization table showing payment dates and amounts
2. Form of Draw Down Notice: Template for borrower to request loan disbursements
3. Security Documents: Details of collateral and security arrangements
4. Financial Covenants Schedule: Specific financial ratios and thresholds to be maintained
5. Permitted Liens: List of pre-approved encumbrances on assets
6. Required Insurance: Schedule of insurance policies to be maintained
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