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1. Parties: Identifies and defines the Lender and Borrower
2. Background: Contextual information about the purpose of the loan and the parties' intention
3. Definitions and Interpretation: Defines key terms and sets out interpretation rules
4. The Loan: Principal amount, purpose, and fundamental terms of the loan
5. Interest: Interest rate, calculation method, and payment terms
6. Repayment: Terms of repayment including the demand nature of the loan
7. Payments: Payment mechanics, timing, and allocation of payments
8. Representations and Warranties: Borrower's statements about its legal and financial status
9. Covenants: Ongoing obligations of the Borrower during the term of the loan
10. Events of Default: Circumstances constituting default and consequences
11. Enforcement: Lender's rights and remedies upon default or demand
12. General Provisions: Standard boilerplate clauses including notices, amendments, and governing law
1. Security: Required if the loan is secured by any assets or property
2. Guarantees: Required if there are any guarantors for the loan
3. Conditions Precedent: Required if there are specific conditions that must be met before the loan is advanced
4. Insurance: Required if specific insurance coverage is required for secured assets
5. Financial Covenants: Required for business borrowers where financial ratios must be maintained
6. Tax Provisions: Required if there are specific tax considerations or withholding requirements
7. Assignment and Participation: Required if the lender wishes to reserve the right to assign or participate the loan
8. Multiple Borrowers: Required if there is more than one borrower, establishing joint and several liability
1. Schedule A - Defined Terms: Detailed definitions of terms used in the agreement
2. Schedule B - Advance Request Form: Standard form for requesting advances under the loan
3. Schedule C - Calculation of Interest: Detailed methodology for interest calculation
4. Schedule D - Security Details: Description of any security being provided for the loan
5. Schedule E - Permitted Liens: List of existing liens or encumbrances that are permitted
6. Schedule F - Compliance Certificate: Form for periodic confirmation of compliance with loan terms
7. Schedule G - Notice Details: Contact information and notice requirements for all parties
Applicable Law
Banking Day
Borrower
Business Day
Change in Control
Closing Date
Collateral
Default
Default Rate
Demand Notice
Environmental Laws
Event of Default
Financial Indebtedness
GAAP
Governmental Authority
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Material Adverse Effect
Maturity Date
Obligations
Outstanding Principal
Permitted Liens
Person
Prime Rate
Principal Amount
Security
Security Documents
Subsidiary
Taxes
Transaction Documents
Loan Amount
Purpose
Interest
Repayment
Demand Rights
Security
Representations and Warranties
Affirmative Covenants
Negative Covenants
Financial Covenants
Conditions Precedent
Events of Default
Remedies
Set-off Rights
Payment Mechanics
Tax Gross-up
Increased Costs
Indemnification
Assignment
Confidentiality
Notices
Amendments and Waivers
Severability
Counterparts
Governing Law
Jurisdiction
Entire Agreement
Further Assurance
Force Majeure
Banking
Financial Services
Real Estate
Manufacturing
Retail
Technology
Healthcare
Construction
Agriculture
Professional Services
Mining
Energy
Transportation
Hospitality
Legal
Finance
Credit
Risk Management
Treasury
Compliance
Commercial Banking
Corporate Finance
Collections
Documentation
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Credit Manager
Risk Manager
Loan Officer
Treasury Manager
Financial Controller
Compliance Officer
Commercial Banking Officer
Credit Analyst
Legal Secretary
Banking Relationship Manager
Collections Manager
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