The Short Term Loan Agreement is designed for situations requiring temporary financing under Swiss law, typically for periods of less than one year. It is commonly used for working capital, bridge financing, or specific short-term funding needs. The document incorporates essential provisions required by the Swiss Code of Obligations and, where applicable, Swiss banking regulations and consumer protection laws. It includes detailed sections covering loan disbursement, interest calculation, repayment terms, events of default, and enforcement mechanisms. This agreement type is particularly relevant for business-to-business lending, though it can be adapted for consumer lending subject to additional regulatory requirements. The document's structure ensures clarity and enforceability within the Swiss legal framework while protecting the interests of both lender and borrower.
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1. Parties: Identification of the lender and borrower with full legal names and addresses
2. Background: Brief context of the loan arrangement and purpose
3. Definitions: Key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the principal amount and permitted use of funds
5. Interest Rate: Interest rate, calculation method, and payment schedule
6. Drawdown: Conditions and process for disbursement of the loan
7. Repayment Terms: Schedule and method of repayment, including final maturity date
8. Representations and Warranties: Standard declarations by the borrower about their legal and financial status
9. Events of Default: Circumstances constituting default and consequences
10. Costs and Expenses: Allocation of transaction costs and ongoing expenses
11. Notices: Communication methods and contact details for formal notices
12. Governing Law and Jurisdiction: Confirmation of Swiss law application and jurisdiction
1. Security: Include when loan is secured by specific assets or collateral
2. Guarantee: Include when a third party guarantees the loan
3. Insurance: Include when specific insurance requirements are imposed on the borrower
4. Financial Covenants: Include for business borrowers when financial ratios must be maintained
5. Prepayment Terms: Include when early repayment is allowed with specific conditions
6. Assignment and Transfer: Include when either party may need to transfer their rights
7. Tax Provisions: Include when specific tax considerations need to be addressed
8. Information Undertakings: Include when borrower must provide ongoing financial information
1. Repayment Schedule: Detailed breakdown of repayment dates and amounts
2. Drawdown Notice Form: Template for requesting disbursement of the loan
3. Conditions Precedent: List of documents and conditions required before drawdown
4. Security Details: Detailed description of any security or collateral (if applicable)
5. Form of Compliance Certificate: Template for periodic compliance confirmations (if required)
Relevant legal definitions
Agreement
Applicable Law
Banking Day
Borrower
Business Day
Conditions Precedent
Default
Default Interest
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
Event of Default
Facility
Final Repayment Date
Finance Documents
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Outstanding Amount
Parties
Prepayment
Principal
Repayment Date
Repayment Schedule
Security
Security Documents
Swiss Francs
Tax
Term
Utilization
Applicable Law
Banking Day
Borrower
Business Day
Conditions Precedent
Default
Default Interest
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
Event of Default
Facility
Final Repayment Date
Finance Documents
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Outstanding Amount
Parties
Prepayment
Principal
Repayment Date
Repayment Schedule
Security
Security Documents
Swiss Francs
Tax
Term
Utilization
Clauses
Loan Amount
Interest Rate
Repayment
Drawdown
Conditions Precedent
Representations and Warranties
Covenants
Events of Default
Security
Costs and Expenses
Indemnification
Assignment
Notices
Confidentiality
Force Majeure
Set-off
Amendment
Severability
Entire Agreement
Governing Law
Jurisdiction
Counterparts
Waiver
Third Party Rights
Default Interest
Tax Gross-up
Currency
Financial Information
Acceleration
Term
Interest Rate
Repayment
Drawdown
Conditions Precedent
Representations and Warranties
Covenants
Events of Default
Security
Costs and Expenses
Indemnification
Assignment
Notices
Confidentiality
Force Majeure
Set-off
Amendment
Severability
Entire Agreement
Governing Law
Jurisdiction
Counterparts
Waiver
Third Party Rights
Default Interest
Tax Gross-up
Currency
Financial Information
Acceleration
Term
Relevant Industries
Banking
Financial Services
Real Estate
Manufacturing
Retail
Technology
Healthcare
Construction
Agriculture
Hospitality
Professional Services
Transportation
Energy
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Credit
Corporate Secretariat
Banking Operations
Business Development
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Compliance Officer
Credit Manager
Risk Manager
Banking Relationship Manager
Finance Manager
Loan Officer
Corporate Secretary
Financial Controller
Business Development Manager
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