The Business Loan Agreement serves as the primary documentation for commercial lending transactions in Indonesia, establishing the legal relationship between financial institutions and business borrowers. This document is essential when a business seeks formal financing for operations, expansion, or specific projects. It must comply with Indonesian banking regulations, particularly Law No. 10 of 1998 on Banking and the Indonesian Civil Code, while incorporating necessary safeguards for both lender and borrower. The agreement typically includes comprehensive details about loan facilities, security arrangements, financial covenants, and compliance requirements, making it suitable for various business financing needs from working capital to asset acquisition.
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1. Parties: Identification of the lender and borrower, including complete legal names, registration numbers, and addresses
2. Background: Context of the loan agreement, including purpose of the loan and brief description of the business relationship
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount, currency, and permitted use of funds
5. Interest Rate and Calculations: Details of interest rate, calculation method, and payment periods
6. Drawdown and Disbursement: Terms and conditions for disbursement of the loan
7. Repayment Terms: Schedule and method of repayment, including principal and interest payments
8. Security and Collateral: Details of any assets or guarantees provided as security for the loan
9. Representations and Warranties: Statements of fact and assurances from the borrower regarding their business and ability to repay
10. Borrower's Covenants: Ongoing obligations of the borrower during the loan term
11. Events of Default: Circumstances that constitute default and consequences thereof
12. Remedies: Lender's rights and remedies in case of default
13. Governing Law and Jurisdiction: Specification of Indonesian law as governing law and jurisdiction for disputes
14. Notices: Process and requirements for formal communications between parties
15. Miscellaneous: Standard boilerplate provisions including severability, entire agreement, and amendments
1. Guarantor Provisions: Required when there is a third-party guarantor for the loan
2. Foreign Currency Provisions: Needed when the loan is denominated in a currency other than Indonesian Rupiah
3. Insurance Requirements: Detailed when specific insurance coverage is required for secured assets
4. Syndication Provisions: Required when the loan involves multiple lenders
5. Subordination Terms: Needed when the loan must be subordinated to other debt
6. Change of Control Provisions: Required when restrictions on ownership changes are needed
7. Environmental Covenants: Necessary for businesses with environmental impact considerations
8. Intellectual Property Rights: Required when IP assets are part of the security package
1. Repayment Schedule: Detailed schedule of repayment dates and amounts
2. Security Details: Comprehensive list and description of all security/collateral assets
3. Conditions Precedent: List of documents and conditions required before loan disbursement
4. Permitted Security Interests: List of pre-approved security interests that may exist over borrower's assets
5. Form of Drawdown Notice: Template for borrower to request loan disbursement
6. Financial Covenants: Detailed financial ratios and requirements to be maintained
7. Existing Indebtedness: Schedule of borrower's existing debt obligations
8. Required Insurance: Details of insurance policies to be maintained
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