The Working Capital Loan Agreement is essential for businesses seeking short-term financing to manage their day-to-day operations, inventory purchases, or operational expenses. This document, governed by U.S. federal and state lending laws, outlines the complete lending relationship, including loan amount, interest calculations, repayment schedules, security arrangements, and default provisions. It's particularly crucial for businesses experiencing seasonal fluctuations or growth phases requiring additional working capital, while protecting both lender and borrower interests through clear terms and conditions.
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1. Parties: Identification of lender and borrower with full legal names and addresses
2. Background: Context of the loan, purpose, and relationship between parties
3. Definitions: Key terms used throughout the agreement
4. Loan Amount and Purpose: Specific amount being borrowed and permitted uses of funds
5. Interest Rate and Payments: Interest calculation method, payment schedule, and terms
6. Security and Collateral: Assets securing the loan
7. Representations and Warranties: Borrower's assertions about their legal and financial status
8. Covenants: Ongoing obligations of the borrower during loan term
9. Events of Default: Circumstances constituting default and consequences
1. Guarantees: Terms of personal or corporate guarantees - used when additional security through guarantors is required
2. Insurance Requirements: Specific insurance coverage requirements - used when protecting specific collateral or business operations
3. Subordination Provisions: Priority of this loan relative to other debt - used when multiple lenders are involved
1. Payment Schedule: Detailed repayment timeline and amounts
2. Collateral Schedule: Detailed list and description of security assets
3. Financial Covenants Schedule: Specific financial ratios and requirements
4. Permitted Liens Schedule: List of pre-existing or permitted encumbrances
5. Draw Down Conditions: Requirements for accessing loan funds
6. Required Insurance Schedule: Detailed insurance requirements and minimum coverage
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