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1. Parties: Identification of the lender and borrower with full legal names and details
2. Background: Context of the facility arrangement and purpose of the agreement
3. Definitions and Interpretation: Comprehensive definitions of terms used throughout the agreement and interpretation rules
4. The Facility: Details of the facility type, amount, purpose and availability period
5. Conditions Precedent: Prerequisites that must be satisfied before the facility becomes available
6. Drawdown: Procedures and requirements for drawing down the facility
7. Interest and Fees: Interest calculation method, rates, payment dates and applicable fees
8. Repayment and Prepayment: Terms for regular 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 facility term
11. Events of Default: Circumstances that constitute default and consequences
12. Changes to Parties: Rules regarding assignment and transfer of rights and obligations
13. Administration: Operational aspects including notices, calculations, and payments
14. Governing Law and Jurisdiction: Law governing the agreement and courts having jurisdiction
15. Execution: Execution blocks and signing requirements
1. Security: Include when the facility is secured, detailing the security arrangement and enforcement rights
2. Guarantee: Include when there are guarantors providing additional support for the borrower's obligations
3. Review Events: Include for facilities requiring periodic review or with specific trigger events
4. Market Disruption: Include for facilities with variable rates to address market disruption scenarios
5. Increased Costs and Tax Provisions: Include for longer-term facilities or where regulatory changes might impact costs
6. Multi-currency Provisions: Include if the facility can be drawn in multiple currencies
7. Accordion Feature: Include if the facility amount can be increased under specified conditions
8. Financial Covenants: Include when specific financial metrics must be maintained
9. Special Drawing Conditions: Include for industry-specific or purpose-specific facilities
1. Facility Particulars: Detailed terms of the facility including limits, rates, and fees
2. Conditions Precedent Documents: List of required documents and conditions to be satisfied
3. Form of Drawdown Notice: Template for borrower to request drawings under the facility
4. Calculation of Interest and Fees: Detailed methodology for calculating interest and fees
5. Form of Compliance Certificate: Template for periodic compliance reporting
6. Security Documents: List and copies of security documents if facility is secured
7. Permitted Security Interests: List of security interests allowed under the facility
8. Financial Covenants Calculations: Methodology for calculating financial covenants
9. Authorized Representatives: List of persons authorized to act on behalf of the parties
Account Bank
Additional Facility
Applicable Rate
Authorisation
Availability Period
Available Commitment
Banking Day
Base Rate
Borrower
Borrowing Base
Break Costs
Business Day
Commitment
Compliance Certificate
Conditions Precedent
Control Account
Default
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
EBITDA
Event of Default
Facility
Facility Agent
Facility Amount
Facility Documents
Facility Limit
Facility Period
Fee Letter
Finance Documents
Financial Indebtedness
Financial Statements
Financial Year
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Margin
Material Adverse Effect
Maturity Date
Permitted Security Interest
PPSA
Potential Event of Default
Prepayment
Principal Outstanding
Reference Banks
Repayment Date
Review Date
Review Event
Secured Property
Security
Security Interest
Security Provider
Security Trustee
Subsidiary
Tax
Transaction Documents
Utilisation
Working Capital
Conditions Precedent
Drawdown
Interest
Fees and Charges
Repayment
Prepayment
Security
Representations and Warranties
Financial Covenants
General Undertakings
Information Undertakings
Events of Default
Market Disruption
Changes to Calculation of Interest
Changes to Parties
Payment Mechanics
Set-off
Notices
Calculations
Amendments and Waivers
Confidentiality
Anti-Money Laundering
Privacy
Force Majeure
Severability
Assignment
Governing Law
Dispute Resolution
Indemnities
Costs and Expenses
Tax
Currency
Security Trust
Agency Provisions
Guarantee
Priority and Subordination
Banking and Financial Services
Manufacturing
Retail
Wholesale Trade
Construction
Mining and Resources
Agriculture
Technology
Healthcare
Professional Services
Transport and Logistics
Real Estate
Hospitality
Legal
Finance
Treasury
Credit
Risk Management
Corporate Banking
Operations
Compliance
Corporate Secretariat
Executive Management
Chief Financial Officer
Finance Director
Treasury Manager
Financial Controller
Corporate Lawyer
Legal Counsel
Relationship Manager (Banking)
Credit Manager
Risk Manager
Company Secretary
Managing Director
Chief Executive Officer
Commercial Director
Operations Manager
Account Manager (Banking)
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