The Revenue Loan Agreement is designed for businesses seeking alternative financing options in the Australian market, where traditional debt or equity financing may not be suitable or desired. This agreement type is particularly valuable for companies with strong revenue growth potential but irregular cash flows or limited assets for traditional security. The Revenue Loan Agreement structures repayment as a percentage of future revenue, providing flexibility for the borrower while offering the lender potential upside in successful business outcomes. Key features include detailed revenue calculations, payment mechanisms, financial covenants, and reporting requirements, all compliant with Australian financial services regulations and corporate law. This financing instrument has gained popularity among growth-stage companies and innovative businesses seeking to maintain equity ownership while accessing growth capital.
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1. Parties: Identifies and defines the parties to the agreement - typically the Lender and the Borrower
2. Background: Sets out the context and purpose of the revenue loan arrangement
3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes interpretation rules
4. Loan Facility: Details of the loan amount, purpose, and drawdown conditions
5. Revenue Share Mechanism: Defines how revenue is calculated, what constitutes revenue, and the share percentage
6. Payment Terms: Specifies payment calculations, frequency, method, and reconciliation processes
7. Borrower Covenants: Key promises and obligations of the borrower, including financial covenants and reporting requirements
8. Representations and Warranties: Standard declarations about the borrower's business, authority, and financial position
9. Information Rights: Lender's rights to receive financial information and conduct audits
10. Events of Default: Circumstances that constitute default and consequences
11. General Provisions: Standard boilerplate clauses including notices, amendments, governing law, etc.
1. Security: Include when the loan is secured against specific assets or guarantees
2. Minimum and Maximum Payments: Include when there are floor or cap provisions on revenue share payments
3. Early Repayment: Include when early repayment options are available
4. Multiple Drawdowns: Include when the loan facility allows for multiple drawdowns
5. Change of Control: Include when restrictions on ownership changes are required
6. Intellectual Property: Include when IP rights are relevant to the revenue generation
7. Subordination: Include when the revenue loan needs to be subordinated to other debt
8. Revenue Exclusions: Include when certain revenue streams are to be excluded from calculations
1. Calculation of Revenue: Detailed methodology for calculating relevant revenue
2. Form of Drawdown Notice: Template for requesting loan drawdowns
3. Form of Compliance Certificate: Template for periodic compliance reporting
4. Financial Covenants: Detailed financial ratios and thresholds to be maintained
5. Reporting Requirements: Specific reports, frequency, and format requirements
6. Security Details: Details of any security or guarantees provided
7. Payment Worked Examples: Examples showing how revenue share calculations work in practice
8. Permitted Encumbrances: List of allowed security interests or liens
Relevant legal definitions
Applicable Law
Available Facility
Business Day
Change of Control
Completion Date
Confidential Information
Default
Default Interest Rate
Drawdown
Drawdown Date
Drawdown Notice
EBITDA
Encumbrance
Event of Default
Excluded Revenue
Facility
Facility Amount
Financial Indebtedness
Financial Records
Financial Year
Gross Revenue
GST
Interest Period
Legal Requirements
Loan
Material Adverse Effect
Maximum Revenue Share
Minimum Revenue Share
Payment Date
Permitted Encumbrance
Qualifying Revenue
Related Entity
Relevant Period
Revenue Calculation Period
Revenue Share
Revenue Share Percentage
Security
Security Interest
Subsidiary
Tax
Term
Total Amount Payable
Transaction Documents
Available Facility
Business Day
Change of Control
Completion Date
Confidential Information
Default
Default Interest Rate
Drawdown
Drawdown Date
Drawdown Notice
EBITDA
Encumbrance
Event of Default
Excluded Revenue
Facility
Facility Amount
Financial Indebtedness
Financial Records
Financial Year
Gross Revenue
GST
Interest Period
Legal Requirements
Loan
Material Adverse Effect
Maximum Revenue Share
Minimum Revenue Share
Payment Date
Permitted Encumbrance
Qualifying Revenue
Related Entity
Relevant Period
Revenue Calculation Period
Revenue Share
Revenue Share Percentage
Security
Security Interest
Subsidiary
Tax
Term
Total Amount Payable
Transaction Documents
Clauses
Loan Facility
Revenue Share
Payment Terms
Revenue Calculation
Financial Covenants
Security
Representations and Warranties
Information Rights
Audit Rights
Confidentiality
Default
Acceleration
Early Repayment
Assignment and Transfer
Change of Control
Subordination
Tax
GST
Force Majeure
Notices
Governing Law
Dispute Resolution
Amendments
Severability
Entire Agreement
Further Assurance
Costs and Expenses
Counterparts
Third Party Rights
Reporting Requirements
Financial Information
Negative Pledge
Anti-Money Laundering
Data Protection
Compliance with Laws
Interest and Fees
Indemnification
Term and Termination
Revenue Share
Payment Terms
Revenue Calculation
Financial Covenants
Security
Representations and Warranties
Information Rights
Audit Rights
Confidentiality
Default
Acceleration
Early Repayment
Assignment and Transfer
Change of Control
Subordination
Tax
GST
Force Majeure
Notices
Governing Law
Dispute Resolution
Amendments
Severability
Entire Agreement
Further Assurance
Costs and Expenses
Counterparts
Third Party Rights
Reporting Requirements
Financial Information
Negative Pledge
Anti-Money Laundering
Data Protection
Compliance with Laws
Interest and Fees
Indemnification
Term and Termination
Relevant Industries
Technology
Software as a Service
E-commerce
Digital Media
Professional Services
Healthcare
Education Technology
Financial Services
Manufacturing
Retail
Hospitality
Entertainment
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Development
Business Development
Executive Leadership
Board of Directors
Investment
Relevant Roles
Chief Financial Officer
Finance Director
Legal Counsel
Commercial Director
Treasury Manager
Financial Controller
Chief Executive Officer
Business Development Manager
Risk Manager
Compliance Officer
Company Secretary
Investment Manager
Portfolio Manager
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