The Commercial Loan Agreement serves as the primary documentation for business financing transactions in Denmark, establishing the legal relationship between commercial lenders and business borrowers. This document is essential when a business seeks substantial financing for operations, expansion, or specific projects. It must comply with Danish financial regulations, including the Financial Business Act, Interest Act, and relevant EU regulations. The agreement covers crucial elements such as loan disbursement, interest calculation, security arrangements, representations and warranties, covenants, and events of default. It's particularly important for ensuring legal certainty in commercial lending transactions while adhering to Danish market practices and regulatory requirements. The document is typically customized based on the loan amount, borrower's business type, security package, and specific commercial terms agreed between the parties.
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Key Requirements PROMPT example:
Commercial Loan Agreement
I need a Commercial Loan Agreement for a €5 million facility to a Danish manufacturing company, with quarterly repayments over 5 years starting March 2025, secured against company assets and including green loan provisions for sustainable machinery purchases.
1. Parties: Identification of the lender and borrower with full legal names, registration numbers, and addresses
2. Background: Context of the loan agreement, including purpose and any relevant business relationship between the parties
3. Definitions: Definitions of key terms used throughout the agreement
4. The Loan: Core terms including principal amount, purpose, and drawdown conditions
5. Interest: Interest rate, calculation method, payment dates, and default interest provisions
6. Repayment: Repayment schedule, prepayment terms, and payment mechanics
7. Conditions Precedent: Conditions that must be satisfied before the loan is made available
8. Representations and Warranties: Statements of fact and assurances given by the borrower
9. Covenants: Ongoing obligations of the borrower during the loan term
10. Events of Default: Circumstances that allow the lender to demand immediate repayment
11. Security: Overview of security arrangements for the loan
12. Costs and Expenses: Allocation of costs related to the loan and its administration
13. Changes to the Parties: Rules for assignment and transfer of rights and obligations
14. Notices: How formal communications between parties should be made
15. Calculations and Certificates: How financial calculations will be made and evidenced
16. General Provisions: Standard boilerplate clauses including severability, entire agreement, etc.
17. Governing Law and Jurisdiction: Confirmation of Danish law application and jurisdiction for disputes
1. Guarantee: Required when a third party guarantees the borrower's obligations
2. Subordination: Needed when the loan ranks behind other debt in priority
3. Currency Provisions: Required for loans in multiple currencies or with foreign exchange elements
4. Tax Gross-Up: Used when tax implications need specific handling
5. Increased Costs: Provisions for regulatory changes affecting the lender's costs
6. Multiple Borrowers: Additional provisions for multiple borrower structures
7. Agency Provisions: Required for syndicated loans with an agent bank
8. Green Loan Provisions: Specific provisions for environmentally sustainable loans
1. Conditions Precedent Documents: List of required documents and conditions to be satisfied before drawdown
2. Form of Drawdown Request: Template for the borrower to request loan disbursements
3. Repayment Schedule: Detailed amortization table or repayment dates
4. Security Documents: Forms of security documents or lists of security arrangements
5. Form of Compliance Certificate: Template for periodic confirmation of covenant compliance
6. Financial Covenants Calculations: Detailed methods for calculating financial covenants
7. Permitted Security Interests: List of security interests allowed under the agreement
8. Form of Transfer Certificate: Template for transferring loan participations
9. Contact Details: Detailed contact information for all parties and roles
Authors
Relevant legal definitions
Acceleration Event
Account Bank
Affiliate
Agreement
Applicable Law
Availability Period
Banking Day
Borrower
Business Day
Change of Control
Commitment
Compliance Certificate
Confidential Information
Default
Default Interest
Default Rate
Disruption Event
Drawdown Date
Drawdown Notice
Drawdown Period
EURIBOR
Event of Default
Facility
Final Maturity Date
Finance Documents
Financial Indebtedness
Financial Statements
Group
Guarantee
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
LIBOR
Loan
Margin
Material Adverse Effect
Obligor
Parties
Permitted Security Interest
Principal Amount
Repayment Date
Repayment Schedule
Security
Security Agent
Security Documents
Security Interest
Security Provider
Subsidiary
Tax
Transfer Certificate
Utilization
VAT
Account Bank
Affiliate
Agreement
Applicable Law
Availability Period
Banking Day
Borrower
Business Day
Change of Control
Commitment
Compliance Certificate
Confidential Information
Default
Default Interest
Default Rate
Disruption Event
Drawdown Date
Drawdown Notice
Drawdown Period
EURIBOR
Event of Default
Facility
Final Maturity Date
Finance Documents
Financial Indebtedness
Financial Statements
Group
Guarantee
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
LIBOR
Loan
Margin
Material Adverse Effect
Obligor
Parties
Permitted Security Interest
Principal Amount
Repayment Date
Repayment Schedule
Security
Security Agent
Security Documents
Security Interest
Security Provider
Subsidiary
Tax
Transfer Certificate
Utilization
VAT
Clauses
Loan Amount
Interest Rate
Drawdown
Repayment
Security
Representations and Warranties
Conditions Precedent
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Acceleration
Set-off
Assignment and Transfer
Costs and Expenses
Tax Gross-up
Increased Costs
Payment Mechanics
Notices
Calculations
Currency
Severability
Amendments
Confidentiality
Data Protection
Anti-Money Laundering
Force Majeure
Governing Law
Jurisdiction
Dispute Resolution
Entire Agreement
Counterparts
Third Party Rights
Interest Rate
Drawdown
Repayment
Security
Representations and Warranties
Conditions Precedent
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Acceleration
Set-off
Assignment and Transfer
Costs and Expenses
Tax Gross-up
Increased Costs
Payment Mechanics
Notices
Calculations
Currency
Severability
Amendments
Confidentiality
Data Protection
Anti-Money Laundering
Force Majeure
Governing Law
Jurisdiction
Dispute Resolution
Entire Agreement
Counterparts
Third Party Rights
Relevant Industries
Banking & Financial Services
Manufacturing
Real Estate
Construction
Technology
Healthcare
Retail
Transportation & Logistics
Energy & Utilities
Agriculture
Telecommunications
Professional Services
Hospitality & Tourism
Industrial Production
Media & Entertainment
Relevant Teams
Legal
Finance
Treasury
Credit Risk
Compliance
Corporate Banking
Commercial Lending
Documentation
Risk Management
Business Development
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Commercial Lending Officer
Credit Risk Manager
Legal Counsel
Compliance Officer
Relationship Manager
Corporate Banking Manager
Credit Analyst
Financial Controller
Business Development Manager
Corporate Secretary
Risk Assessment Officer
Documentation Specialist
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