The Small Business Loan Contract is a critical financial instrument used in Switzerland for facilitating business financing between lending institutions and small to medium-sized enterprises. This document is essential when a business seeks formal financing under Swiss law, typically for amounts ranging from CHF 10,000 to CHF 1,000,000. The agreement must comply with Swiss banking regulations, the Federal Banking Act, and the Swiss Code of Obligations, while incorporating specific provisions for loan disbursement, security interests, and repayment terms. It's designed to protect both the lender's interests in terms of security and repayment, and the borrower's rights under Swiss commercial law. The document is particularly relevant in the current economic climate where small businesses frequently require formal financing for growth, working capital, or asset acquisition.
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1. Parties: Identification of the lender and borrower with full legal names, addresses, and registration details
2. Background: Context of the loan agreement, including purpose of the loan and basic business information
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount, currency, and permitted use of funds
5. Interest Rate and Calculations: Details of interest rate, calculation method, and payment frequency
6. Repayment Terms: Schedule of repayments, including principal and interest payment dates
7. Conditions Precedent: Conditions that must be satisfied before the loan is disbursed
8. Representations and Warranties: Statements of fact by the borrower about their business and financial condition
9. Covenants: Ongoing obligations of the borrower during the loan term
10. Events of Default: Circumstances that constitute default and their consequences
11. Fees and Costs: All fees, charges, and costs associated with the loan
12. Notices: Communication requirements and contact details
13. Governing Law and Jurisdiction: Confirmation of Swiss law application and jurisdiction
1. Security Arrangements: Details of any collateral or security provided for the loan - include when loan is secured
2. Guarantees: Terms of any personal or corporate guarantees - include when there are guarantors
3. Insurance Requirements: Specific insurance obligations - include when insurance is required for security assets
4. Early Repayment: Terms and conditions for early loan repayment - include if early repayment is permitted
5. Draw-down Mechanics: Process for accessing loan funds - include for multiple draw-down facilities
6. Financial Covenants: Specific financial ratios and requirements - include for larger or more complex loans
7. Assignment and Transfer: Rights to assign or transfer the loan - include if transferability is permitted
1. Repayment Schedule: Detailed amortization table showing all payment dates and amounts
2. Security Details: Detailed description of any security or collateral provided
3. Conditions Precedent Documents: List of all required documents and conditions to be met before disbursement
4. Fee Schedule: Breakdown of all applicable fees and charges
5. Required Insurance: Specific insurance requirements and minimum coverage levels
6. Form of Draw-down Notice: Template for requesting loan disbursements
7. Financial Reporting Requirements: Templates and requirements for ongoing financial reporting
Relevant legal definitions
Agreement
Applicable Law
Banking Day
Borrower
Business
CHF
Collateral
Conditions Precedent
Default Interest Rate
Default Notice
Draw-down Date
Draw-down Notice
Early Repayment
Event of Default
Facility
Final Repayment Date
Financial Statements
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Permitted Purpose
Repayment Date
Repayment Schedule
Security
Security Documents
Swiss Law
Tax
Term
Swiss LIBOR Replacement Rate
Outstanding Amount
Secured Obligations
Security Interest
Required Insurance
Relevant Jurisdiction
Applicable Law
Banking Day
Borrower
Business
CHF
Collateral
Conditions Precedent
Default Interest Rate
Default Notice
Draw-down Date
Draw-down Notice
Early Repayment
Event of Default
Facility
Final Repayment Date
Financial Statements
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Permitted Purpose
Repayment Date
Repayment Schedule
Security
Security Documents
Swiss Law
Tax
Term
Swiss LIBOR Replacement Rate
Outstanding Amount
Secured Obligations
Security Interest
Required Insurance
Relevant Jurisdiction
Clauses
Loan Amount and Purpose
Interest Calculation
Repayment Terms
Security and Collateral
Conditions Precedent
Representations and Warranties
Positive Covenants
Negative Covenants
Financial Covenants
Events of Default
Remedies
Early Repayment
Fees and Expenses
Tax Provisions
Assignment and Transfer
Force Majeure
Confidentiality
Notices
Amendment and Waiver
Severability
Set-Off Rights
Insurance Requirements
Information Undertakings
Anti-Money Laundering
Data Protection
Dispute Resolution
Governing Law and Jurisdiction
Interest Calculation
Repayment Terms
Security and Collateral
Conditions Precedent
Representations and Warranties
Positive Covenants
Negative Covenants
Financial Covenants
Events of Default
Remedies
Early Repayment
Fees and Expenses
Tax Provisions
Assignment and Transfer
Force Majeure
Confidentiality
Notices
Amendment and Waiver
Severability
Set-Off Rights
Insurance Requirements
Information Undertakings
Anti-Money Laundering
Data Protection
Dispute Resolution
Governing Law and Jurisdiction
Relevant Industries
Retail
Manufacturing
Technology
Professional Services
Hospitality
Construction
Healthcare
E-commerce
Agriculture
Transportation
Real Estate
Food and Beverage
Education
Consulting
Relevant Teams
Legal
Finance
Risk Management
Compliance
Commercial Banking
Credit Analysis
Business Development
Treasury
Operations
Corporate Banking
Relevant Roles
Chief Financial Officer
Finance Director
Credit Manager
Loan Officer
Risk Manager
Commercial Banking Manager
Business Development Manager
Financial Controller
Legal Counsel
Compliance Officer
Small Business Owner
Managing Director
Treasury Manager
Account Manager
Credit Analyst
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