The Drawdown Loan Agreement is a crucial financing instrument in Indonesian business practice, commonly used when borrowers require flexible access to funds over time rather than a single lump sum disbursement. This document type is particularly relevant in project financing, business expansion, or working capital arrangements where funding needs are periodic or milestone-based. The agreement must comply with Indonesian banking regulations, including Law No. 7 of 1992 on Banking (as amended) and relevant OJK (Financial Services Authority) regulations. It typically includes detailed provisions for drawdown mechanics, conditions precedent for each drawdown, interest calculations, repayment terms, security arrangements (if applicable), and specific Indonesian law requirements such as language requirements and mandatory governing law provisions.
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1. Parties: Identifies and defines the Lender, Borrower, and any other parties to the agreement
2. Background: Sets out the context and purpose of the loan facility
3. Definitions and Interpretation: Defines key terms and establishes interpretation rules for the agreement
4. The Facility: Details the type, amount, and purpose of the loan facility
5. Drawdown Conditions: Specifies the conditions precedent and procedural requirements for drawdowns
6. Interest: Sets out interest rate, calculation method, and payment terms
7. Repayment: Details the repayment schedule and mechanisms
8. Prepayment: Outlines voluntary and mandatory prepayment provisions
9. Representations and Warranties: Contains standard representations and warranties from the Borrower
10. Information Undertakings: Specifies ongoing information and reporting requirements
11. General Undertakings: Sets out general covenants and obligations of the Borrower
12. Events of Default: Lists circumstances constituting default and consequences
13. Changes to Parties: Covers assignment and transfer provisions
14. Administration: Contains provisions about notices, calculations, and general administration
15. Governing Law and Jurisdiction: Specifies Indonesian law as governing law and jurisdiction for disputes
1. Security: Required if the loan is secured - details security arrangements and enforcement
2. Guarantee: Include if there are guarantors to the loan
3. Financial Covenants: Include for corporate borrowers where financial metrics need to be maintained
4. Tax Gross Up and Indemnities: Include for cross-border loans or where tax implications are significant
5. Increased Costs and Illegality: Include for longer-term loans or where regulatory changes might impact the facility
6. Set-off Rights: Include where parties maintain banking relationships beyond the loan
7. Currency Provisions: Required if loan or payments are in foreign currency
8. Multiple Drawdown Facilities: Include specific provisions for multiple tranches or revolving facilities
1. Form of Drawdown Request: Standard form for requesting drawdowns under the facility
2. Conditions Precedent: Detailed list of required documents and conditions for initial drawdown
3. Repayment Schedule: Detailed amortization schedule if applicable
4. Form of Compliance Certificate: Template for periodic compliance certification
5. Calculation of Interest Rate: Detailed methodology for interest calculation
6. Security Documents: List and copies of security documents if loan is secured
7. Required Insurance: Details of insurance requirements for secured assets
8. Contact Details: Contact information for all parties and authorized representatives
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