This Term Loan Agreement Non Regulated is designed for use in commercial lending transactions in Australia where a lender provides a fixed-term loan facility to a business borrower. It is specifically structured to comply with Australian federal legislation and common law principles while remaining outside the scope of consumer credit regulations. The agreement is suitable for various commercial purposes including business expansion, asset acquisition, or refinancing existing debt. It contains comprehensive provisions covering loan mechanics, security arrangements (if applicable), representations and warranties, financial covenants, and enforcement rights. This document type is commonly used by financial institutions, private lenders, and corporate entities engaged in commercial lending activities within the Australian jurisdiction, where the loan is provided for business purposes rather than personal, domestic, or household use.
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1. Parties: Identifies and defines the Lender, Borrower and any guarantors
2. Background: Sets out the context of the loan and the parties' intentions
3. Definitions and Interpretation: Defines key terms and sets out interpretation principles
4. The Facility: Details of the loan amount, purpose, and availability
5. Conditions Precedent: Conditions that must be satisfied before drawdown
6. Drawdown: Mechanics and requirements for drawing down the loan
7. Interest: Interest rate, calculation methods, and payment provisions
8. Repayment and Prepayment: Terms for scheduled repayments and early repayment options
9. Representations and Warranties: Statements of fact and assurances given by the borrower
10. Undertakings: Positive and negative obligations of the borrower during the loan term
11. Events of Default: Circumstances constituting default and consequences
12. Changes to Parties: Provisions regarding assignment and transfer rights
13. Administration: Mechanics of payments, calculations, and notices
14. Governing Law and Enforcement: Choice of law and jurisdiction provisions
1. Security: Required if the loan is secured - details the security arrangement and enforcement rights
2. Guarantee: Required if there are guarantors - sets out guarantee and indemnity provisions
3. Increased Costs and Tax Gross Up: Used in more sophisticated transactions to address regulatory changes and tax implications
4. Market Disruption: Used when interest rates are linked to market rates - addresses market disruption scenarios
5. Anti-Money Laundering: Detailed AML provisions where required by lender policy
6. Multiple Lenders: Required for syndicated facilities - includes agency and majority lender provisions
7. Financial Covenants: Used when specific financial metrics need to be maintained
8. Account Bank Provisions: Required when specific account arrangements are needed
1. Facility Details: Details of facility limits, interest rates, fees, and repayment schedule
2. Conditions Precedent: List of required documents and conditions
3. Form of Drawdown Notice: Template for borrower to request loan drawdown
4. Form of Compliance Certificate: Template for periodic compliance certification
5. Repayment Schedule: Detailed schedule of repayment dates and amounts
6. Form of Transfer Certificate: Template for transferring loan participations
7. Financial Covenants Calculations: Formulas and methods for calculating financial covenants
8. Security Details: Details of any security assets and registration requirements
Relevant legal definitions
Accounting Standards
Account Bank
Additional Cost Rate
Affiliate
Agreement
Applicable Rate
Authorisation
Authority
Available Commitment
Available Facility
Banking Day
Base Rate
Borrower
Break Costs
Business Day
Commitment
Compliance Certificate
Confidential Information
Default
Default Interest
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
Encumbrance
Event of Default
Facility
Facility Amount
Facility Documents
Facility Office
Final Maturity Date
Finance Documents
Financial Indebtedness
Financial Statements
Financial Year
Government Agency
Group
GST
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Legal Costs
Lender
Loss
Margin
Material Adverse Effect
Notice
Obligor
Outstanding Amount
Overdue Amount
Party
Permitted Encumbrance
PPSA
Potential Event of Default
Prepayment
Principal Outstanding
Reference Banks
Repayment Date
Repayment Schedule
Representative
Review Event
Security
Security Interest
Security Provider
Subsidiary
Tax
Transaction Documents
Transfer Certificate
Unpaid Sum
Account Bank
Additional Cost Rate
Affiliate
Agreement
Applicable Rate
Authorisation
Authority
Available Commitment
Available Facility
Banking Day
Base Rate
Borrower
Break Costs
Business Day
Commitment
Compliance Certificate
Confidential Information
Default
Default Interest
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
Encumbrance
Event of Default
Facility
Facility Amount
Facility Documents
Facility Office
Final Maturity Date
Finance Documents
Financial Indebtedness
Financial Statements
Financial Year
Government Agency
Group
GST
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Legal Costs
Lender
Loss
Margin
Material Adverse Effect
Notice
Obligor
Outstanding Amount
Overdue Amount
Party
Permitted Encumbrance
PPSA
Potential Event of Default
Prepayment
Principal Outstanding
Reference Banks
Repayment Date
Repayment Schedule
Representative
Review Event
Security
Security Interest
Security Provider
Subsidiary
Tax
Transaction Documents
Transfer Certificate
Unpaid Sum
Clauses
Interpretation
Facility Terms
Conditions Precedent
Utilization
Interest
Fees
Repayment
Prepayment
Tax Gross Up
Increased Costs
Payments
Representations
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Security
Guarantee
Set-off
Assignment and Transfer
Calculations
Notices
Amendments
Confidentiality
Counterparts
Severability
Waiver
Force Majeure
Indemnities
Costs and Expenses
Agency Provisions
Account Bank
Market Disruption
Anti-Money Laundering
Governing Law
Jurisdiction
Dispute Resolution
Facility Terms
Conditions Precedent
Utilization
Interest
Fees
Repayment
Prepayment
Tax Gross Up
Increased Costs
Payments
Representations
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Security
Guarantee
Set-off
Assignment and Transfer
Calculations
Notices
Amendments
Confidentiality
Counterparts
Severability
Waiver
Force Majeure
Indemnities
Costs and Expenses
Agency Provisions
Account Bank
Market Disruption
Anti-Money Laundering
Governing Law
Jurisdiction
Dispute Resolution
Relevant Industries
Financial Services
Real Estate
Manufacturing
Agriculture
Mining
Technology
Healthcare
Retail
Construction
Infrastructure
Transport and Logistics
Energy
Telecommunications
Professional Services
Relevant Teams
Legal
Finance
Treasury
Risk and Compliance
Commercial Banking
Credit
Corporate Banking
Operations
Documentation
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Commercial Lending Manager
Credit Risk Manager
Legal Counsel
Corporate Lawyer
Relationship Manager
Credit Analyst
Loan Officer
Commercial Banking Manager
Risk and Compliance Officer
Financial Controller
Corporate Banking Director
Transaction Manager
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