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1. Parties: Identifies and defines the Lender and Borrower with full legal names and addresses
2. Background: Sets out the context of the loan and the intention to create security interest
3. Definitions and Interpretation: Defines key terms and establishes interpretation rules for the agreement
4. Loan Amount and Purpose: Specifies the principal amount and permitted use of the loan funds
5. Interest and Fees: Details the interest rate, calculation method, and any applicable fees
6. Repayment Terms: Specifies repayment schedule, method, and prepayment provisions
7. Security and Collateral: Describes the assets provided as collateral and creation of security interest
8. Representations and Warranties: States the parties' assertions about their capacity and the collateral
9. Covenants: Sets out ongoing obligations of the Borrower regarding the loan and collateral
10. Events of Default: Lists circumstances constituting default and consequences
11. Enforcement Rights: Details the Lender's rights and remedies upon default
12. Governing Law and Jurisdiction: Specifies Hong Kong law as governing law and jurisdiction for disputes
1. Guarantor Provisions: Include when a third party guarantees the loan obligations
2. Insurance Requirements: Include when specific insurance must be maintained for the collateral
3. Cross-Default Provisions: Include when the loan is part of a larger financing arrangement
4. Security Trustee Provisions: Include when there are multiple lenders requiring a security trustee
5. Currency Provisions: Include when the loan or repayment involves foreign currency
6. Assignment and Transfer: Include when rights to assign or transfer the loan need to be addressed
7. Further Assurance: Include when additional documentation or actions may be required post-signing
1. Repayment Schedule: Detailed breakdown of repayment dates and amounts
2. Collateral Description: Detailed description and/or listing of all assets serving as collateral
3. Form of Drawdown Notice: Standard form for requesting disbursement of loan funds
4. Security Documents: Forms of additional security documents to be executed
5. Condition Precedent Documents: List of documents required before loan disbursement
6. Permitted Security Interests: List of pre-existing or permitted encumbrances on collateral
7. Insurance Requirements: Detailed specifications for required insurance coverage
Applicable Law
Assets
Authorized Representative
Business Day
Collateral
Conditions Precedent
Default Interest
Default Notice
Drawdown
Drawdown Date
Drawdown Notice
Encumbrance
Event of Default
Facility
Finance Documents
Financial Indebtedness
Governing Law
Guarantee
Guarantor
Hong Kong
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Material Adverse Effect
Maturity Date
Obligor
Outstanding Amount
Parties
Perfection Requirements
Permitted Security Interest
Principal
Repayment Date
Repayment Schedule
Secured Assets
Secured Obligations
Security
Security Documents
Security Interest
Security Period
Security Provider
Taxes
Transaction Documents
Underlying Documents
Loan Facility
Purpose
Drawdown
Interest
Repayment
Prepayment
Security Creation
Collateral
Representations and Warranties
Covenants
Positive Covenants
Negative Covenants
Financial Covenants
Information Covenants
Events of Default
Acceleration
Enforcement
Security Power of Attorney
Further Assurance
Assignment and Transfer
Costs and Expenses
Tax Gross-up
Indemnities
Set-off
Notices
Amendments
Severability
Counterparts
Governing Law
Jurisdiction
Service of Process
Waiver of Immunity
Confidentiality
Force Majeure
Entire Agreement
Banking and Financial Services
Real Estate
Manufacturing
Retail
Technology
Construction
Agriculture
Healthcare
Transportation and Logistics
Energy and Resources
Professional Services
Hospitality
Legal
Finance
Treasury
Risk Management
Compliance
Credit Administration
Corporate Banking
Security and Collateral Management
Loan Administration
Documentation
Chief Financial Officer
Finance Director
Legal Counsel
Compliance Officer
Credit Risk Manager
Loan Officer
Corporate Banker
Security Trustee
Finance Manager
Treasury Manager
Legal Director
Relationship Manager
Risk Officer
Company Secretary
Commercial Director
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