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Business Investment Loan Agreement
"I need a Business Investment Loan Agreement for a USD 5 million facility to a manufacturing company in Jakarta, with the loan being secured by factory equipment and requiring quarterly financial covenants reporting."
1. Parties: Identification of the lender and borrower, including their complete legal names, registration numbers, addresses, and authorized representatives
2. Background: Context of the loan agreement, purpose of the facility, and brief description of the business investment
3. Definitions and Interpretation: Definitions of key terms used throughout the agreement and rules of interpretation
4. Facility Amount and Purpose: Specification of the loan amount, currency, and permitted use of funds
5. Conditions Precedent: Prerequisites that must be satisfied before loan disbursement
6. Disbursement Procedures: Process and requirements for drawing down the loan
7. Interest and Fees: Interest rate, calculation method, payment dates, and applicable fees
8. Repayment Terms: Repayment schedule, prepayment provisions, and payment mechanics
9. Security and Collateral: Details of security arrangements and collateral requirements
10. Representations and Warranties: Statements of fact and assurances given by the borrower
11. Covenants: Positive and negative obligations of the borrower during the loan term
12. Events of Default: Circumstances constituting default and consequences thereof
13. Tax Provisions: Treatment of taxes, duties, and withholding requirements
14. Changes to Parties: Rules regarding assignment and transfer of rights and obligations
15. Notices: Communication requirements and contact details
16. Governing Law and Jurisdiction: Specification of Indonesian law as governing law and jurisdiction for disputes
17. Execution: Signature blocks and execution requirements
1. Currency Provisions: Required if loan is in foreign currency, covering exchange rate risks and conversion requirements
2. Syndication Provisions: Required for syndicated loans involving multiple lenders
3. Insurance Requirements: Detailed insurance obligations if specific insurance coverage is required
4. Security Trustee Provisions: Required when security is held by a security trustee on behalf of lenders
5. Intercreditor Provisions: Required when there are multiple creditors with different priorities
6. Green Loan Provisions: Required for environmentally sustainable investments with specific reporting requirements
7. Force Majeure: Specific provisions for unforeseen circumstances affecting loan performance
1. Schedule 1 - Conditions Precedent Documents: List of required documents and conditions to be satisfied before disbursement
2. Schedule 2 - Form of Drawdown Notice: Template for borrower to request loan disbursement
3. Schedule 3 - Repayment Schedule: Detailed amortization schedule with payment dates and amounts
4. Schedule 4 - Security Documents: List and copies of all security documents and collateral arrangements
5. Schedule 5 - Financial Covenants: Detailed financial ratios and reporting requirements
6. Schedule 6 - Form of Compliance Certificate: Template for periodic compliance reporting
7. Schedule 7 - Project Details: Description of the business investment project and implementation timeline
8. Schedule 8 - Authorized Signatories: List of persons authorized to sign notices and certificates
9. Appendix A - Corporate Authorizations: Copies of corporate approvals and authorizations
10. Appendix B - Property Documents: If applicable, details of any property serving as collateral
Authors
Agreement
Applicable Law
Authorized Representative
Available Facility
Bank Indonesia
Bank Indonesia Rate
Banking Day
Borrower
Business Day
Business Plan
Change of Control
Collateral
Compliance Certificate
Conditions Precedent
Default
Default Interest
Default Rate
Disbursement
Drawdown
Drawdown Date
Drawdown Notice
Drawdown Period
Event of Default
Facility
Facility Amount
Final Maturity Date
Finance Documents
Financial Indebtedness
Financial Statements
Financial Year
Force Majeure
Group
Guarantee
Guarantor
IDR
IFRS
Indonesian GAAP
Interest Payment Date
Interest Period
Interest Rate
JIBOR
Lender
Material Adverse Effect
OJK
Potential Event of Default
Project
Project Documents
Relevant Authority
Repeating Representations
Repayment Date
Repayment Schedule
Security
Security Documents
Security Interest
Security Provider
Subsidiary
Tax
Transaction Documents
USD
Conditions Precedent
Representations and Warranties
Interest and Fees
Repayment
Prepayment
Security
Disbursement
Covenants
Events of Default
Undertakings
Financial Covenants
Information Undertakings
Tax Provisions
Increased Costs
Currency Provisions
Payment Mechanics
Set-off
Assignment and Transfer
Changes to Parties
Confidentiality
Force Majeure
Notices
Amendments and Waivers
Severability
Counterparts
Governing Law
Dispute Resolution
Indemnification
Authority and Capacity
Compliance with Laws
Anti-Money Laundering
Anti-Corruption
Environmental Compliance
Insurance
Security Perfection
Registration Requirements
Regulatory Reporting
Default Interest
Acceleration Rights
Cross Default
Material Adverse Change
Change of Control
Financial Statements
Audit Rights
Site Visits
Project Monitoring
Account Management
Security Trustee Provisions
Stamp Duty
Language Requirements
Manufacturing
Technology
Real Estate
Infrastructure
Agriculture
Mining
Retail
Healthcare
Education
Transportation
Energy
Telecommunications
Hospitality
Financial Services
Construction
Export-Import
Heavy Industry
Food and Beverage
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit Administration
Operations
Business Development
Corporate Finance
Due Diligence
Documentation
Regulatory Reporting
Account Management
Chief Financial Officer
Finance Director
Legal Director
Corporate Secretary
Treasury Manager
Financial Controller
Compliance Officer
Risk Manager
Credit Officer
Investment Manager
Corporate Banker
Legal Counsel
Account Manager
Relationship Manager
Credit Analyst
Due Diligence Officer
Security Trustee Officer
Loan Administrator
Corporate Finance Manager
Business Development Manager
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