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1. Parties: Identifies the lender, borrower, and any guarantors or other parties to the agreement
2. Background: Sets out the context and purpose of the loan facility
3. Definitions and Interpretation: Defines key terms and establishes interpretation principles for the agreement
4. The Facility: Details the amount, purpose, and basic terms of the loan facility
5. Conditions Precedent: Lists conditions that must be satisfied before drawdown
6. Drawdown: Specifies the drawdown mechanics, notice requirements, and availability period
7. Interest: Sets out interest rates, calculation methods, and payment provisions
8. Repayment and Prepayment: Details scheduled repayments, prepayment rights, and related conditions
9. Representations and Warranties: Contains borrower's representations about its status and capacity
10. Undertakings: Lists positive and negative covenants the borrower must observe
11. Events of Default: Specifies circumstances constituting default and consequences
12. Changes to Parties: Addresses assignment and transfer rights
13. Administration: Covers operational aspects including payments and calculations
14. Notices: Specifies how formal communications between parties should be made
15. Governing Law and Enforcement: Identifies governing law and jurisdiction for disputes
1. Security: Required when the loan is secured - details security arrangements and enforcement rights
2. Guarantee: Required when there are guarantors - contains guarantee and indemnity provisions
3. Multiple Borrowers: Required for multiple borrowers - addresses joint and several liability
4. Increased Costs and Tax Gross-Up: Optional provisions protecting lender against regulatory changes and tax implications
5. Market Disruption: Optional provisions addressing benchmark rate unavailability or market disruption
6. Syndication Provisions: Required for syndicated facilities - addresses multiple lender mechanics
7. Anti-Money Laundering: Detailed AML/CTF provisions if not covered in representations and warranties
8. Privacy: Detailed privacy provisions if not covered in general terms
1. Conditions Precedent: Detailed list of required conditions precedent documents and evidence
2. Form of Drawdown Notice: Template form for borrower to request loan drawdown
3. Repayment Schedule: Detailed schedule of repayment dates and amounts
4. Form of Compliance Certificate: Template for periodic compliance certification
5. Financial Covenants: Detailed financial covenants and calculation methodologies
6. Permitted Security Interests: List of security interests permitted under negative pledge
7. Form of Transfer Certificate: Template for transferring loan participations
8. Address Details: Contact details for notices and communications
Account
Additional Cost Rate
Affiliate
Applicable Law
Authorisation
Availability Period
Available Commitment
Available Facility
Base Rate
Break Costs
Business Day
Code
Commitment
Compliance Certificate
Confidential Information
Default
Default Rate
Defaulting Lender
Disruption Event
Drawdown Date
Drawdown Notice
Event of Default
Facility
Facility Office
Finance Document
Finance Party
Financial Close
Financial Indebtedness
Financial Statements
Financial Year
Group
Guarantee
Holding Company
Interest Payment Date
Interest Period
Legal Reservation
Lender
Loan
Majority Lenders
Margin
Material Adverse Effect
Month
Original Financial Statements
Outstanding Amount
Participating Member State
Party
Permitted Security Interest
Potential Event of Default
Quotation Day
Reference Banks
Reference Bank Rate
Relevant Market
Repayment Date
Repeating Representations
Representative
Screen Rate
Security
Security Document
Security Interest
Specified Time
Subsidiary
Tax
Tax Deduction
Term
Total Commitments
Transfer Certificate
Transfer Date
Unpaid Sum
Utilisation
VAT
Facility Terms
Conditions Precedent
Drawdown
Interest and Interest Periods
Repayment
Prepayment and Cancellation
Tax Gross-Up and Indemnities
Increased Costs
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Changes to Parties
Payment Mechanics
Set-Off
Security
Guarantee and Indemnity
Costs and Expenses
Indemnities
Representations
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
Corporate Finance
Real Estate
Infrastructure
Manufacturing
Mining and Resources
Agriculture
Healthcare
Retail
Technology
Transportation and Logistics
Energy and Utilities
Legal
Finance
Treasury
Risk and Compliance
Credit
Corporate Finance
Banking
Company Secretariat
Operations
Chief Financial Officer
Finance Director
Treasury Manager
Corporate Lawyer
Legal Counsel
Banking Lawyer
Credit Manager
Risk Manager
Compliance Officer
Company Secretary
Financial Controller
Relationship Manager
Credit Analyst
Transaction Manager
Finance Manager
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