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1. Parties: Identifies and defines all parties to the agreement, including the lender(s), borrower(s), and any guarantors
2. Background: Sets out the context of the loan agreement and the parties' intentions
3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes interpretation rules
4. The Facility: Details the loan amount, purpose, and any sub-facilities or tranches
5. Conditions Precedent: Specifies conditions that must be satisfied before the loan becomes available
6. Drawdown: Sets out the mechanism and requirements for drawing down the loan
7. Interest: Specifies interest rates, calculation methods, and payment periods
8. Repayment and Prepayment: Details repayment schedule, prepayment rights, and related conditions
9. Representations and Warranties: Contains statements of fact and assurances given by the borrower
10. Covenants: Sets out positive and negative obligations of the borrower during the loan term
11. Events of Default: Lists circumstances that constitute default and their consequences
12. Changes to Parties: Governs assignment and transfer rights of the parties
13. Administration: Covers operational aspects including payments, calculations, and notices
14. Governing Law and Enforcement: Specifies governing law and jurisdiction for dispute resolution
1. Security: Required when the loan is secured, detailing the security structure and enforcement rights
2. Guarantees: Needed when third-party guarantees are part of the credit support structure
3. Syndication Provisions: Required for syndicated loans, covering facility agent and security trustee arrangements
4. Market Disruption: Optional provisions dealing with LIBOR/BBSW discontinuation and market disruption events
5. Increased Costs and Tax Provisions: Detailed provisions for managing regulatory changes and tax implications
6. Multi-currency Provisions: Required when the facility allows drawing in multiple currencies
7. Anti-Money Laundering Provisions: Detailed AML/CTF compliance requirements for cross-border transactions
8. Sanctions and Anti-Corruption: Required for international loans to address compliance with sanctions laws
9. Force Majeure: Optional provisions dealing with unforeseen events affecting performance
1. Facility Details: Detailed terms of the facility including amounts, interest rates, and margins
2. Conditions Precedent Documents: List of required documents and conditions to be satisfied
3. Form of Drawdown Notice: Template for borrower to request loan disbursements
4. Repayment Schedule: Detailed schedule of repayment dates and amounts
5. Form of Transfer Certificate: Template for transferring loan participations
6. Security Documents: Forms of security documents and guarantees
7. Financial Covenants: Detailed financial covenants and calculation methodologies
8. Addresses for Notices: Contact details and notice requirements for all parties
9. Form of Compliance Certificate: Template for periodic compliance reporting
10. Pricing Schedule: Detailed breakdown of fees, margins, and interest calculations
Additional Lender
Affiliate
ASIC
APRA
Authorisation
Availability Period
Available Commitment
Banking Day
Base Rate
BBSW
Borrower Group
Break Costs
Business Day
Commitment
Compliance Certificate
Conditions Precedent
Confidential Information
Control
Default
Default Interest
Default Rate
Disposal
Disruption Event
Drawing
Drawdown Date
Drawdown Notice
Encumbrance
Event of Default
Facility
Facility Agent
Facility Agreement
Facility Amount
Facility Documents
Facility Limit
Facility Office
Finance Documents
Finance Party
Financial Close
Financial Indebtedness
Financial Statements
Financial Year
Government Agency
GST
Guarantee
Guarantor
Increased Costs
Insolvency Event
Interest Payment Date
Interest Period
Interest Rate
Legal Opinion
Lender
Loan
Majority Lenders
Margin
Material Adverse Effect
Material Contract
Obligor
Original Financial Statements
Outstanding Amount
Permitted Security Interest
Potential Event of Default
PPSA
Principal Outstanding
Purpose
Quote Date
Reference Banks
Related Body Corporate
Relevant Jurisdiction
Repayment Date
Repayment Schedule
Security
Security Interest
Security Provider
Security Trust
Security Trust Deed
Security Trustee
Stamp Duty
Subsidiary
Tax
Total Commitments
Transaction Documents
Transfer Certificate
Trust
Unpaid Sum
Facility Terms
Conditions Precedent
Drawdown
Interest and Interest Periods
Repayment
Prepayment
Tax Gross-up and Indemnities
Increased Costs
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Security
Guarantee
Set-off
Assignment and Transfer
Changes to Parties
Payment Mechanics
Currency Provisions
Anti-Money Laundering
Sanctions Compliance
Market Disruption
Costs and Expenses
Indemnities
Notices
Calculations and Certificates
Partial Invalidity
Remedies and Waivers
Amendments and Waivers
Confidentiality
Counterparts
Governing Law
Enforcement
Jurisdiction
Service of Process
Banking and Financial Services
Real Estate
Infrastructure
Mining and Resources
Manufacturing
Agriculture
Technology
Healthcare
Energy
Telecommunications
Transport and Logistics
Retail and Consumer Goods
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit
Operations
Company Secretariat
Transaction Management
Chief Financial Officer
Treasury Manager
Finance Director
Legal Counsel
Compliance Officer
Risk Manager
Corporate Banking Manager
Loan Officer
Credit Analyst
Transaction Manager
Relationship Manager
Corporate Finance Manager
Finance Manager
Company Secretary
Banking and Finance Lawyer
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