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1. Parties: Identifies and defines the Lender and Borrower with full legal names and addresses
2. Background: Contextual information explaining the purpose of the loan and basis of the agreement
3. Definitions and Interpretation: Defines key terms used throughout the agreement and sets out rules of interpretation
4. The Loan: Details of the loan amount, purpose, and any conditions precedent to drawdown
5. Interest: Interest rate(s), calculation method, payment periods, and default interest provisions
6. Repayment: Repayment terms, schedule, prepayment provisions, and payment mechanics
7. Security: Details of any security being provided for the loan
8. Representations and Warranties: Statements of fact and assurances given by the Borrower
9. Covenants: Positive and negative obligations of the Borrower during the loan term
10. Events of Default: Circumstances that constitute default and consequences thereof
11. Fees and Expenses: All fees, charges, and costs associated with the loan
12. Notices: How formal communications between parties should be made
13. Assignment and Transfer: Rights and restrictions regarding transfer of rights under the agreement
14. Governing Law and Jurisdiction: Confirms Irish law as governing law and jurisdiction for disputes
1. Guarantee Provisions: Required when there is a guarantor for the loan
2. Multiple Lenders: Required for syndicated loans with multiple lenders
3. Insurance Requirements: Detailed insurance obligations when specific insurance coverage is required
4. Additional Security Provisions: For complex security arrangements or multiple security types
5. Special Conditions: For any unique terms specific to the particular loan
6. Data Protection: Detailed GDPR compliance terms when extensive personal data processing is involved
7. Break Costs: Required for fixed-rate loans or where early repayment may trigger additional costs
8. Currency Provisions: Required when loan or repayments involve multiple currencies
1. Schedule 1 - Loan Details: Detailed breakdown of loan amount, interest rates, and payment dates
2. Schedule 2 - Conditions Precedent: List of documents and conditions required before loan drawdown
3. Schedule 3 - Repayment Schedule: Detailed amortization schedule showing payment dates and amounts
4. Schedule 4 - Security Documents: List and copies of all security documents
5. Schedule 5 - Form of Drawdown Notice: Template for requesting loan disbursement
6. Schedule 6 - Financial Covenants: Detailed financial ratios and requirements to be maintained
7. Appendix A - Form of Compliance Certificate: Template for periodic compliance reporting
8. Appendix B - Required Insurance: Detailed insurance requirements and minimum coverage levels
Account Bank
Additional Security
Affiliate
Agreement
Applicable Law
Availability Period
Banking Day
Borrower
Break Costs
Business Day
Central Bank
Commitment
Compliance Certificate
Conditions Precedent
Default
Default Interest
Default Rate
Drawdown Date
Drawdown Notice
Drawdown Period
EURIBOR
Event of Default
Facility
Finance Documents
Financial Indebtedness
Financial Statements
Group
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Legal Reservation
Lender
Loan
Loan Amount
Material Adverse Change
Material Adverse Effect
Maturity Date
Obligor
Outstanding Amount
Permitted Security
Potential Default
Prepayment Amount
Principal Amount
Repayment Date
Repayment Installment
Repayment Schedule
Security
Security Documents
Security Interest
Security Provider
Subsidiary
Tax
Transaction Documents
Utilisation
Utilisation Date
Utilisation Request
Interest
Repayment
Security
Conditions Precedent
Representations and Warranties
Covenants
Events of Default
Remedies
Payment Mechanics
Set-off
Assignment and Transfer
Confidentiality
Data Protection
Anti-Money Laundering
Costs and Expenses
Indemnification
Force Majeure
Notices
Amendments and Waivers
Severability
Further Assurance
Counterparts
Third Party Rights
Time of Essence
Entire Agreement
Governing Law
Jurisdiction
Dispute Resolution
Acceleration
Default Interest
Security Enforcement
Information Undertakings
Financial Covenants
Insurance
Tax Gross-up
Currency Provisions
Break Costs
Market Disruption
Banking & Financial Services
Real Estate
Construction
Manufacturing
Technology
Retail
Healthcare
Agriculture
Energy
Transportation
Education
Hospitality
Professional Services
Media & Entertainment
Telecommunications
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit Analysis
Commercial Banking
Business Development
Operations
Corporate Secretariat
Debt Management
Account Management
Documentation
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Finance Manager
Credit Risk Manager
Loan Officer
Compliance Officer
Treasury Manager
Banking Relationship Manager
Commercial Director
Risk Assessment Officer
Financial Controller
Company Secretary
Business Development Manager
Account Manager
Credit Analyst
Legal Manager
Debt Finance Manager
Corporate Banking Officer
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