A Loan Sharing Agreement becomes necessary when multiple lenders wish to participate in a single loan facility while maintaining clear governance and risk allocation. This document, governed by English and Welsh law, establishes the framework for lender participation, including payment mechanics, voting rights, and enforcement procedures. It is particularly relevant in syndicated lending, club deals, and loan participation arrangements, where coordinated action and clear rights among lenders are essential for effective loan administration.
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Key Requirements PROMPT example:
Loan Sharing Agreement
"I need a Loan Sharing Agreement for a syndicated real estate loan facility of £50 million, where three banks will participate equally, with one bank acting as facility agent, to be effective from March 2025."
1. Parties: Identification and details of all participating lenders and agents
2. Background: Context of the loan sharing arrangement and original loan details
3. Definitions: Key terms used throughout the agreement
4. Sharing Arrangements: Core terms of how the loan is shared between parties including allocation of payments and losses
5. Payment Mechanics: Procedures for payments, distributions, and waterfall provisions
6. Voting Rights: Decision-making procedures, voting thresholds, and majority lender provisions
7. Transfers and Assignments: Provisions governing the transfer of loan participations
8. Representations and Warranties: Standard representations and warranties from each party
9. Administration: General administrative provisions including notices and amendments
10. Governing Law and Jurisdiction: Choice of law and jurisdiction provisions
1. Security Arrangements: Terms governing security interests and enforcement rights - include for secured loans only
2. Intercreditor Provisions: Ranking and priority between different classes of lenders - include when multiple classes of lenders exist
3. Agency Provisions: Terms governing the appointment and role of facility agent - include when a facility agent is appointed
4. Tax Provisions: Detailed tax provisions including gross-up obligations - include for cross-border transactions
5. Regulatory Compliance: Specific regulatory compliance obligations - include when involving regulated entities
1. Form of Transfer Certificate: Standard form for transferring loan participations between lenders
2. Loan Details: Detailed information about the underlying loan facility including key terms
3. Lender Commitments: Schedule of participating lenders and their respective commitments
4. Payment Details: Bank account and payment instruction details for all parties
5. Form of Accession Deed: Standard form for new lenders to accede to the agreement
6. Notice Details: Contact information and notice details for all parties
Authors
Relevant legal definitions
Acceleration Event
Additional Lender
Agent
Available Commitment
Business Day
Commitment
Default
Defaulting Lender
Disruption Event
Effective Date
Enforcement Action
Event of Default
Facility
Finance Documents
Financial Indebtedness
Interest Period
Lender Proportion
Loan
Majority Lenders
Material Adverse Effect
Original Lender
Participating Lender
Payment Date
Pro Rata Share
Qualifying Lender
Receiving Lender
Reference Banks
Secured Obligations
Security
Security Documents
Sharing Payment
Transfer Certificate
Transfer Date
Unpaid Sum
Voting Rights
Additional Lender
Agent
Available Commitment
Business Day
Commitment
Default
Defaulting Lender
Disruption Event
Effective Date
Enforcement Action
Event of Default
Facility
Finance Documents
Financial Indebtedness
Interest Period
Lender Proportion
Loan
Majority Lenders
Material Adverse Effect
Original Lender
Participating Lender
Payment Date
Pro Rata Share
Qualifying Lender
Receiving Lender
Reference Banks
Secured Obligations
Security
Security Documents
Sharing Payment
Transfer Certificate
Transfer Date
Unpaid Sum
Voting Rights
Clauses
Interpretation
Conditions Precedent
Sharing Arrangements
Payment Mechanics
Redistribution
Default and Enforcement
Voting Rights
Agency Provisions
Security
Transfers and Assignments
Set-off
Amendments and Waivers
Notification
Confidentiality
Costs and Expenses
Indemnities
Currency Provisions
Representations and Warranties
Information Undertakings
Accession
Calculations and Evidence of Debt
Severability
Counterparts
Governing Law
Jurisdiction
Service of Process
Conditions Precedent
Sharing Arrangements
Payment Mechanics
Redistribution
Default and Enforcement
Voting Rights
Agency Provisions
Security
Transfers and Assignments
Set-off
Amendments and Waivers
Notification
Confidentiality
Costs and Expenses
Indemnities
Currency Provisions
Representations and Warranties
Information Undertakings
Accession
Calculations and Evidence of Debt
Severability
Counterparts
Governing Law
Jurisdiction
Service of Process
Relevant Industries
Relevant Teams
Relevant Roles
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