The Loan Letter is a commonly used document in Swiss business and financial transactions to formalize lending arrangements. This document type is particularly relevant when parties seek to document a loan in a more approachable format than a full loan agreement, while still maintaining legal enforceability under Swiss law. The Loan Letter typically includes all essential elements required by the Swiss Code of Obligations, such as loan amount, interest provisions, repayment terms, and any security arrangements. It's commonly used for both corporate and private lending, though its format makes it particularly suitable for smaller to medium-sized loans where parties prefer a more straightforward documentation approach. The document must comply with Swiss banking and financial regulations, especially regarding interest rate provisions and, where applicable, consumer protection requirements.
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1. Date and Address Block: Formal letter heading with date and recipient's details
2. Salutation: Formal greeting to the recipient
3. Reference Line: Clear reference to 'Loan Letter' or 'Loan Agreement'
4. Introduction: Identifies the parties and their roles (lender/borrower)
5. Loan Amount and Currency: Specifies the principal amount and currency of the loan
6. Interest Rate: Details of the applicable interest rate, calculation method, and payment frequency
7. Repayment Terms: Schedule and method of repayment, including maturity date
8. Bank Account Details: Account information for disbursement and repayment
9. Governing Law: Confirmation of Swiss law governance
10. Closing and Signature Block: Formal closing, signature lines for both parties
1. Security Arrangements: Include when the loan is secured by collateral or guarantees
2. Conditions Precedent: Include when disbursement is subject to specific conditions
3. Purpose of Loan: Include when the loan is for a specific purpose that needs to be documented
4. Events of Default: Include for more complex loans where specific default triggers need to be defined
5. Representations and Warranties: Include for larger loans or when specific borrower confirmations are required
6. Costs and Expenses: Include when there are specific arrangements for fees, taxes, or other costs
7. Prepayment Terms: Include when early repayment is permitted under specific conditions
1. Repayment Schedule: Detailed amortization table if installment payments are involved
2. Security Details: Description of any collateral or security arrangements if applicable
3. Conditions Precedent Checklist: List of required documents or conditions if applicable
4. Form of Drawdown Notice: Template for requesting loan disbursement if multiple draws are permitted
5. KYC Documentation: Required identity and verification documents as per Swiss regulations
Relevant legal definitions
Clauses
Relevant Industries
Banking & Financial Services
Real Estate
Manufacturing
Retail
Technology
Healthcare
Construction
Agriculture
Professional Services
Energy
Transportation & Logistics
Relevant Teams
Legal
Finance
Treasury
Credit Risk
Compliance
Corporate Secretariat
Business Development
Operations
Risk Management
Account Management
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Credit Manager
Loan Officer
Financial Controller
Risk Manager
Compliance Officer
Business Development Manager
Account Manager
Corporate Secretary
Financial Analyst
Banking Relationship Manager
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