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1. Parties: Identification of the lender, borrower and any security providers
2. Background: Context of the loan arrangement and security being provided
3. Definitions and Interpretation: Key terms used throughout the agreement and rules of interpretation
4. The Facility: Core loan terms including amount, purpose, availability and repayment
5. Interest and Fees: Interest calculation, payment periods, default interest and applicable fees
6. Repayment and Prepayment: Terms for scheduled repayments and voluntary/mandatory prepayments
7. Security: Description of security interests being granted and secured property
8. Representations and Warranties: Statements of fact by borrower/security provider about their status and the secured property
9. Undertakings: Positive and negative obligations of the borrower during the loan term
10. Events of Default: Circumstances constituting default and consequences
11. Enforcement: Rights and powers of the lender upon default
12. General Provisions: Standard contractual terms including notices, assignments, governing law
1. Guarantees: Required when third parties are guaranteeing the loan obligations
2. Multiple Facilities: Required when the loan includes different types of facilities (term loan, revolving facility etc.)
3. Security Trustee Provisions: Required in syndicated facilities where security is held by a security trustee
4. Market Disruption: Required for variable rate facilities to address market disruption events
5. Increased Costs and Tax Provisions: Detailed provisions required for institutional lenders or cross-border transactions
6. Anti-Money Laundering Provisions: Detailed AML/CTF provisions required for regulated lenders
7. PPSA Provisions: Additional Personal Property Securities Act provisions for complex security arrangements
8. Priority Arrangements: Required when there are multiple secured parties or existing security interests
1. Facility Details: Specific terms of the facility including amount, interest rate, fees, and repayment schedule
2. Security Property Schedule: Detailed description of all assets subject to security interests
3. Conditions Precedent: List of documents and conditions required before drawdown
4. Drawdown Notice: Form of notice for requesting loan disbursements
5. Compliance Certificate: Form of periodic compliance certification by borrower
6. Calculation of Interest Rates: Detailed methodology for calculating interest and fees
7. Permitted Security Interests: List of security interests permitted to exist over secured property
8. Form of Transfer Certificate: Standard form for transferring loan participations or security interests
Account
Accounting Standards
Additional Security
Applicable Rate
Authorisation
Availability Period
Business Day
Calculation Date
Collateral
Compliance Certificate
Conditions Precedent
Control
Default
Default Rate
Drawdown Date
Drawdown Notice
Encumbrance
Event of Default
Facility
Facility Limit
Financial Indebtedness
Financial Statements
Financial Year
Government Agency
Guarantee
Interest Payment Date
Interest Period
Interest Rate
Law
Material Adverse Effect
Maturity Date
Outstanding Amount
Permitted Encumbrance
Potential Event of Default
PPSA
Principal Outstanding
Reference Rate
Related Entity
Relevant Documents
Repayment Date
Secured Money
Secured Property
Security Interest
Security Provider
Subsidiary
Tax
Transaction Documents
Facility Terms
Purpose
Availability
Interest
Fees and Charges
Repayment
Prepayment
Security Creation
Security Registration
Further Assurance
Representations and Warranties
Financial Covenants
General Undertakings
Negative Pledge
Information Undertakings
Events of Default
Enforcement
Power of Attorney
Assignment and Transfer
Set-off
Confidentiality
Notices
Costs and Expenses
Indemnity
Tax Gross-up
Currency
PPSA Provisions
Anti-Money Laundering
Privacy
Force Majeure
Severability
Governing Law
Jurisdiction
Counterparts
Banking and Financial Services
Real Estate
Manufacturing
Mining and Resources
Agriculture
Technology
Infrastructure
Healthcare
Retail
Construction
Transportation and Logistics
Professional Services
Legal
Finance
Risk Management
Treasury
Compliance
Credit
Corporate Banking
Operations
Commercial
Business Development
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Risk Manager
Credit Manager
Banking Relationship Manager
Loan Officer
Security Trustee Officer
Compliance Officer
Treasury Manager
Financial Controller
Company Secretary
Commercial Director
Business Development Manager
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