The Cash Advance Loan Agreement is essential for businesses and individuals seeking immediate access to funds in England and Wales. This document establishes the terms for short-term financing, including the advance amount, repayment schedule, interest rates, and fees. It ensures compliance with UK consumer credit regulations, the Financial Services and Markets Act 2000, and FCA requirements. The agreement protects both lender and borrower by clearly defining obligations, default procedures, and remedies while incorporating necessary consumer protection provisions.
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1. Parties: Identification of lender and borrower with full legal names and addresses
2. Background: Context of the loan and purpose of the agreement
3. Definitions: Key terms used throughout the agreement
4. Loan Amount and Purpose: Specifies the amount being advanced and its intended use
5. Interest Rate and Charges: Details of interest rate, APR, and any additional charges
6. Repayment Terms: Payment schedule, method, and frequency
7. Representations and Warranties: Borrower's confirmations regarding their ability to enter into and perform the agreement
8. Events of Default: Circumstances constituting default and consequences
9. Termination: Conditions and process for terminating the agreement
1. Security: Details of any collateral or security provided - include when loan is secured
2. Insurance Requirements: Mandatory insurance coverage details - include when specific insurance is required
3. Guarantor Provisions: Terms applying to any guarantor - include when a guarantor is involved
4. Early Repayment: Terms and conditions for early repayment of the loan - include when early repayment is permitted
1. Schedule 1 - Repayment Schedule: Detailed breakdown of repayment dates and amounts
2. Schedule 2 - Pre-Contract Information: Standard European Consumer Credit Information (SECCI)
3. Schedule 3 - Direct Debit Mandate: Payment authorization form
4. Appendix A - Terms and Conditions: Standard terms and conditions of the loan
Relevant legal definitions
Advance
Agreement
APR
Availability Period
Borrower
Business Day
Default Event
Default Interest Rate
Default Notice
Early Repayment
Effective Date
Event of Default
Facility
Finance Charges
Fixed Interest Rate
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Outstanding Balance
Parties
Payment Date
Prepayment
Principal
Repayment Date
Repayment Schedule
Security
Term
Total Amount Payable
Transaction Documents
Working Day
Agreement
APR
Availability Period
Borrower
Business Day
Default Event
Default Interest Rate
Default Notice
Early Repayment
Effective Date
Event of Default
Facility
Finance Charges
Fixed Interest Rate
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Outstanding Balance
Parties
Payment Date
Prepayment
Principal
Repayment Date
Repayment Schedule
Security
Term
Total Amount Payable
Transaction Documents
Working Day
Clauses
Advance and Purpose
Interest and Charges
Repayment Terms
Conditions Precedent
Representations and Warranties
Borrower Covenants
Events of Default
Remedies
Early Repayment
Payment Mechanics
Default Interest
Security
Assignment and Transfer
Notices
Confidentiality
Data Protection
Set-off Rights
Amendment and Waiver
Severability
Entire Agreement
Force Majeure
Governing Law
Jurisdiction
Counterparts
Third Party Rights
Interest and Charges
Repayment Terms
Conditions Precedent
Representations and Warranties
Borrower Covenants
Events of Default
Remedies
Early Repayment
Payment Mechanics
Default Interest
Security
Assignment and Transfer
Notices
Confidentiality
Data Protection
Set-off Rights
Amendment and Waiver
Severability
Entire Agreement
Force Majeure
Governing Law
Jurisdiction
Counterparts
Third Party Rights
Relevant Industries
Relevant Teams
Relevant Roles
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