The Business Loan Agreement is a fundamental document used when a business seeks to borrow money from a lender in England and Wales. This agreement serves as the primary contract governing the lending relationship, establishing clear terms for the loan's disbursement, repayment, and security arrangements. It incorporates necessary compliance elements with UK financial regulations and includes protections for both the lender and borrower. The document is particularly important for maintaining clarity in commercial lending relationships and ensuring enforceability under English and Welsh law.
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1. Parties: Identification and details of the lender and borrower
2. Background: Context and purpose of the loan agreement
3. Definitions: Key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount and its intended use
5. Interest Rate and Calculations: Details of interest rate, calculation method, and payment terms
6. Repayment Terms: Schedule and method of repayment
7. Representations and Warranties: Statements of fact by the borrower
8. Events of Default: Circumstances that trigger default and consequences
9. Governing Law: Specification of applicable law and jurisdiction
1. Security: Details of any collateral or security for secured loans
2. Guarantees: Terms of any personal or corporate guarantees provided
3. Insurance Requirements: Mandatory insurance coverage requirements
4. Financial Covenants: Financial performance requirements for larger commercial loans
1. Repayment Schedule: Detailed payment dates and amounts
2. Security Details: Specific description of security assets
3. Conditions Precedent: List of conditions to be met before drawdown
4. Form of Drawdown Notice: Template for requesting loan disbursement
5. Financial Covenant Calculations: Formulas and methods for financial covenant compliance
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