The Debt Financing Term Sheet is a crucial preliminary document used in Australian financing transactions to establish the fundamental terms and conditions of a proposed debt facility. It is typically prepared after initial commercial discussions between the lender and borrower, but before the drafting of detailed facility documentation. The term sheet serves multiple purposes: it confirms the parties' preliminary understanding, provides a framework for the preparation of long-form documentation, and identifies key commercial and legal issues that need to be resolved. While predominantly non-binding, certain provisions such as confidentiality, costs, and exclusivity are usually expressed to be legally binding. The document is especially relevant in corporate, project, and acquisition financing scenarios, where it helps streamline the negotiation process and reduce transaction costs by ensuring alignment on key terms before detailed documentation begins.
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1. Parties: Identification of the lender(s), borrower(s), guarantor(s) and any other relevant parties
2. Background: Brief context of the proposed financing arrangement and its purpose
3. Definitions: Key terms used throughout the term sheet
4. Facility Details: Type of facility, facility amount, purpose, availability period
5. Interest and Fees: Interest rate, calculation basis, payment frequency, commitment fees, establishment fees
6. Repayment Terms: Repayment schedule, mandatory prepayments, voluntary prepayments
7. Security Structure: Overview of security package, guarantees, security ranking
8. Key Conditions Precedent: Essential conditions to be satisfied before drawdown
9. Key Undertakings: Financial covenants, general undertakings, information undertakings
10. Events of Default: Key events triggering default
11. Governing Law: Applicable law and jurisdiction
12. Non-Binding Nature: Statement of which provisions are binding/non-binding
13. Confidentiality: Confidentiality obligations regarding the term sheet and negotiations
14. Expiry Date: Validity period of the term sheet
1. Hedging Requirements: Required for facilities with interest rate or foreign exchange hedging obligations
2. Syndication Provisions: Include when the facility may be syndicated to other lenders
3. Market Flex: Include for facilities that may be syndicated, allowing terms to be adjusted for successful syndication
4. Clear Market: Include for larger facilities to restrict borrower from accessing other debt markets
5. Assignment and Transfer: Include for facilities where secondary market trading is contemplated
6. Green Loan Provisions: Include for green or sustainability-linked loans
7. Multi-currency Provisions: Include if the facility can be drawn in multiple currencies
8. Accordion Feature: Include if facility amount may be increased in the future
1. Financial Covenants Schedule: Detailed financial covenant calculations and definitions
2. Security Package Details: Comprehensive list of security documents and secured assets
3. Fees Schedule: Detailed breakdown of all fees and charges
4. Repayment Schedule: Detailed amortization schedule if applicable
5. Form of Drawdown Request: Template for borrower to request drawdown
6. Term Sheet Acceptance Form: Form for parties to indicate acceptance of the term sheet
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