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1. Parties: Identifies the lender(s), borrower(s), and any guarantors
2. Background: Recitals explaining the context and purpose of the loan
3. Definitions and Interpretation: Comprehensive definitions of terms used in the agreement and interpretation rules
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 process for drawing down the loan
7. Interest and Fees: Interest rates, calculation methods, and all applicable fees
8. Repayment and Prepayment: Repayment schedule, prepayment terms, and related provisions
9. Representations and Warranties: Borrower's representations about its legal and financial status
10. Covenants: Positive and negative undertakings by the borrower
11. Events of Default: Circumstances constituting default and consequences
12. Changes to Parties: Assignment and transfer provisions
13. Administration: Payment mechanics, calculations, and notices
14. Governing Law and Enforcement: Choice of law and jurisdiction provisions
15. Boilerplate: Standard provisions including severability, amendments, and counterparts
1. Security: Required if the loan is secured - details of security arrangements
2. Guarantees: Required if there are guarantors - terms of guarantee
3. Agent and Security Trustee: Required for syndicated loans - role and powers of the agent
4. Increased Costs and Tax Gross-Up: Used in larger commercial loans - provisions for regulatory changes and tax implications
5. Market Disruption: Used when floating rates are involved - provisions for market disruption events
6. Multi-Currency Provisions: Required if multiple currencies are involved
7. Subordination: Required if there are multiple creditors with different priorities
8. Environmental Compliance: Required for loans to industries with environmental impacts
9. Anti-Corruption and Sanctions: Detailed provisions for cross-border or high-risk transactions
1. Conditions Precedent: Detailed list of required documents and conditions
2. Form of Drawdown Request: Template for borrower to request loan disbursement
3. Repayment Schedule: Detailed amortization schedule if applicable
4. Form of Transfer Certificate: Template for transferring loan participations
5. Financial Covenants: Detailed financial ratios and calculations
6. Security Documents: Forms of security documents if applicable
7. Permitted Security: List of pre-approved security interests
8. Form of Compliance Certificate: Template for periodic compliance certification
9. Notice Details: Contact information for all parties
10. Existing Financial Indebtedness: List of borrower's existing debt obligations
Account Bank
Additional Cost Rate
Affiliate
Applicable Law
Available Commitment
Available Facility
Bank Act
Banking Day
Borrower
Break Costs
Business Day
Canadian Dollars
Change of Control
Commitment
Compliance Certificate
Confidential Information
Default
Default Interest
Disruption Event
Drawdown Date
Drawdown Notice
Event of Default
Facility
Facility Office
Finance Document
Finance Party
Financial Indebtedness
Financial Statements
Funding Rate
Group
Guarantor
Holding Company
Increased Costs
Interest Payment Date
Interest Period
Lender
Loan
Margin
Material Adverse Effect
Maturity Date
Obligation
Original Financial Statements
Participating Member State
Party
Permitted Security Interest
PPSA
Prepayment Amount
Principal Outstanding
Qualifying Lender
Quarter Date
Quotation Day
Reference Banks
Reference Bank Rate
Relevant Jurisdiction
Repayment Date
Repayment Instalment
Repeating Representations
Representative
Screen Rate
Security
Security Document
Subsidiary
Tax
Tax Deduction
Term
Total Commitments
Transfer Certificate
Transfer Date
Unpaid Sum
Definitions
Facility Terms
Purpose
Conditions Precedent
Drawdown
Interest
Interest Periods
Market Disruption
Tax Gross-Up
Increased Costs
Fees
Optional Prepayment
Mandatory Prepayment
Cancellation
Payment Mechanics
Security
Guarantee
Representations
Information Covenants
Financial Covenants
General Covenants
Events of Default
Changes to Parties
Assignment and Transfer
Role of Agent
Conduct of Business
Payment Provisions
Set-off
Notices
Calculations
Amendments and Waivers
Confidentiality
Counterparts
Governing Law
Enforcement
Jurisdiction
Service of Process
Anti-Money Laundering
Anti-Corruption
Environmental Compliance
Data Protection
Force Majeure
Severability
Entire Agreement
Third Party Rights
Banking
Financial Services
Real Estate
Manufacturing
Energy
Infrastructure
Technology
Healthcare
Retail
Agriculture
Mining
Transportation
Telecommunications
Construction
Professional Services
Legal
Finance
Treasury
Risk Management
Compliance
Credit
Corporate Secretariat
Banking Operations
Investment
Relationship Management
Chief Financial Officer
Finance Director
Treasury Manager
Corporate Lawyer
Legal Counsel
Risk Manager
Credit Manager
Relationship Manager
Compliance Officer
Financial Controller
Corporate Secretary
Investment Manager
Account Manager
Banking Officer
Credit Analyst
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