The Revolving Credit Loan Agreement is a key financing document used when parties seek to establish a flexible credit facility under German law. This type of agreement is particularly useful for businesses requiring ongoing access to working capital or fluctuating funding needs. The document comprehensively addresses the establishment, utilization, and management of a revolving credit facility, incorporating all necessary provisions required under German banking regulations and the Civil Code (BGB). It is designed to provide clarity on drawdown mechanics, interest calculations, repayment terms, and the parties' ongoing rights and obligations. The agreement includes specific German law requirements regarding form, content, and consumer protection (where applicable), while also addressing practical aspects such as drawdown procedures and account management. This document type is commonly used in corporate financing, working capital facilities, and general corporate purposes where flexible access to credit is required.
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1. Parties: Identification of the lender(s) and borrower(s) with full legal names and addresses
2. Background: Context of the revolving credit facility and purpose of the loan
3. Definitions and Interpretation: Definitions of key terms and interpretation rules, including German law-specific concepts
4. The Facility: Core terms of the revolving credit facility including amount, purpose, and availability period
5. Drawdown Conditions: Prerequisites for drawdowns, including both initial and subsequent utilization conditions
6. Interest and Fees: Interest calculation methodology, applicable rates, default interest, and all applicable fees
7. Repayment and Prepayment: Terms for regular repayment, renewal/rollover provisions, and voluntary/mandatory prepayment
8. Representations and Warranties: Borrower's confirmations regarding its status and capacity
9. Information Undertakings: Borrower's obligations to provide financial and other information
10. General Undertakings: Borrower's ongoing obligations during the facility period
11. Events of Default: Circumstances constituting default and consequences
12. Changes to Parties: Rules for assignment, transfer, and delegation
13. Payment Mechanics: Technical provisions regarding payments, including business day conventions
14. Notices: Communication requirements and methods
15. Calculations and Certificates: Rules regarding calculations and evidence of amounts due
16. Governing Law and Jurisdiction: Confirmation of German law application and jurisdiction
1. Security: Required if the facility is secured, detailing security arrangements and enforcement
2. Tax Gross Up and Indemnities: Include for cross-border transactions or where tax implications are significant
3. Increased Costs: Include where regulatory changes might affect lender's costs
4. Consumer Protection Provisions: Required if borrower is a consumer, including withdrawal rights under German law
5. Multiple Lenders Provisions: Required for syndicated facilities, including majority voting and agent provisions
6. Set-off Rights: Include where parties want explicit set-off provisions
7. FATCA Provisions: Include where US tax implications may arise
8. Sanctions Provisions: Include where international sanctions compliance is relevant
1. Schedule 1 - Conditions Precedent: List of required documents and conditions for initial drawdown
2. Schedule 2 - Utilization Request Form: Standard form for requesting drawdowns
3. Schedule 3 - Interest Calculation Examples: Detailed examples of interest calculations
4. Schedule 4 - Repayment Schedule: If applicable, schedule of repayment dates and amounts
5. Schedule 5 - Forms of Transfer Certificates: Standard forms for transferring interests in the facility
6. Schedule 6 - Contact Details: Detailed contact information for all parties
7. Appendix A - Compliance Certificate Form: Template for periodic compliance certification
8. Appendix B - Fee Schedule: Detailed breakdown of all applicable fees
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