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1. Parties: Identifies and defines the Lender and Borrower with full legal names and addresses
2. Background: Explains the context of the loan and the parties' intention to enter into the agreement
3. Definitions: Defines key terms used throughout the agreement for clarity and legal certainty
4. Loan Amount and Purpose: Specifies the principal amount being lent and its intended use
5. Interest Rate and Calculations: Details the applicable interest rate(s) and how interest is calculated
6. Repayment Terms: Specifies repayment schedule, payment amounts, and payment methods
7. Representations and Warranties: Statements of fact by the Borrower about their financial situation and capacity to repay
8. Borrower's Obligations: Lists ongoing obligations of the Borrower during the loan term
9. Events of Default: Defines circumstances that constitute default and consequences
10. Enforcement Rights: Outlines the Lender's rights and remedies in case of default
11. General Provisions: Standard contract clauses including notices, amendments, governing law, and jurisdiction
1. Security: Used when the loan is secured against specific assets or property
2. Guarantor Provisions: Required when a third party guarantees the loan
3. Insurance Requirements: Included when specific insurance coverage is required for secured assets
4. Early Repayment: Details terms for early loan repayment when permitted
5. Special Conditions: For any unique terms specific to the particular loan arrangement
6. Corporate Borrower Provisions: Additional provisions required when the borrower is a company
7. Assignment and Transfer: Included when either party may need to transfer their rights or obligations
1. Schedule 1 - Loan Details: Key financial terms including loan amount, interest rate, and payment schedule
2. Schedule 2 - Repayment Schedule: Detailed amortization table showing payment dates and amounts
3. Schedule 3 - Security Details: Description of any secured assets and their valuation
4. Schedule 4 - Fee Schedule: List of all applicable fees and charges
5. Appendix A - Required Documents: List of documents required from the Borrower
6. Appendix B - Direct Debit Authority: Form for setting up automatic payment arrangements
7. Appendix C - Compliance Certificate: Template for periodic compliance certification if required
Applicable Rate
Authorization
Business Day
Borrower
Condition Precedent
Default
Default Rate
Drawdown Date
Drawdown Notice
Event of Default
Facility
Finance Documents
Financial Indebtedness
Government Agency
GST
Guarantee
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Outstanding Amount
Permitted Security Interest
Potential Event of Default
Principal
Repayment Date
Repayment Schedule
Security
Security Interest
Security Provider
Taxes
Term
Transaction Documents
Secured Property
Working Day
Interest
Repayment
Security
Representations and Warranties
Conditions Precedent
Undertakings
Events of Default
Enforcement
Guarantee
Assignment
Set-off
Indemnity
Costs and Expenses
Notices
Confidentiality
Force Majeure
Severability
Governing Law
Jurisdiction
Amendment
Waiver
Entire Agreement
Counterparts
Electronic Execution
Privacy and Data Protection
Anti-Money Laundering
Default Interest
Insurance
Financial Covenants
Banking and Financial Services
Real Estate and Property
Small Business and Startups
Corporate Finance
Agriculture
Manufacturing
Retail
Construction
Professional Services
Technology
Healthcare
Education
Legal
Finance
Credit
Risk Management
Compliance
Treasury
Commercial Banking
Corporate Finance
Operations
Business Development
Account Management
Chief Financial Officer
Finance Manager
Credit Manager
Legal Counsel
Compliance Officer
Risk Manager
Loan Officer
Commercial Banking Manager
Credit Analyst
Financial Controller
Business Development Manager
Account Manager
Corporate Lawyer
Banking Executive
Treasury Manager
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