This Unsecured Loan Agreement template is designed for use in Ireland when establishing a lending arrangement where no specific assets are pledged as collateral. The document is suitable for both consumer and business lending scenarios, incorporating provisions required by Irish financial regulations and EU directives. It includes comprehensive sections covering loan terms, interest rates, repayment schedules, borrower representations, and default provisions. The agreement is particularly relevant when rapid deployment of funds is needed without the complexity of security arrangements, while still maintaining proper legal protections for all parties. It should be customized based on the loan amount, purpose, and whether the borrower is a consumer or business entity, ensuring compliance with relevant Irish consumer protection and lending regulations.
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1. Parties: Identifies and provides full details of the lender and borrower
2. Background: Sets out the context of the loan agreement and the parties' intention to enter into the lending arrangement
3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes rules of interpretation
4. The Loan: Specifies the loan amount, purpose, and drawdown conditions
5. Interest: Details the interest rate, calculation method, and payment terms
6. Repayment: Specifies repayment schedule, method of payment, and early repayment provisions
7. Borrower's Representations and Warranties: States the borrower's confirmations about their financial status and capacity to repay
8. Borrower's Covenants: Sets out the borrower's ongoing obligations throughout the loan term
9. Events of Default: Lists circumstances that constitute default and the consequences
10. Lender's Rights and Remedies: Outlines the lender's rights in case of default or breach
11. Notices: Specifies how formal communications between parties should be made
12. General Provisions: Contains standard boilerplate clauses including assignment, amendments, and severability
13. Governing Law and Jurisdiction: Confirms Irish law governs the agreement and establishes jurisdiction for disputes
1. Guarantor Provisions: Include when a guarantor is providing additional security for the loan
2. Insurance Requirements: Include when specific insurance coverage is required from the borrower
3. Purpose of Loan: Include when the loan must be used for specific purposes only
4. Financial Covenants: Include for business borrowers where financial ratios must be maintained
5. Information Covenants: Include when regular financial or other information must be provided to the lender
6. Cross-Default: Include when default on other obligations should trigger default under this loan
7. Change of Control: Include for corporate borrowers where ownership changes need to be restricted
8. Data Protection: Include detailed data protection provisions when extensive personal data processing is involved
1. Repayment Schedule: Detailed breakdown of repayment dates and amounts
2. Conditions Precedent: List of documents and conditions required before loan drawdown
3. Form of Drawdown Notice: Template for the borrower to request loan disbursement
4. Form of Compliance Certificate: Template for periodic confirmation of compliance with loan terms
5. Permitted Security Interests: List of security interests allowed to exist over borrower's assets
6. Contact Details: Detailed contact information for all parties for formal notices
Relevant legal definitions
Agreement
Applicable Law
Business Day
Default Interest Rate
Default Notice
Drawdown Date
Drawdown Notice
Event of Default
Final Repayment Date
Financial Indebtedness
Interest Payment Date
Interest Period
Interest Rate
Irish Consumer Credit Laws
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Outstanding Amount
Parties
Permitted Purpose
Potential Event of Default
Prepayment Notice
Principal Amount
Regulated Credit Institution
Relevant Authority
Repayment Date
Repayment Schedule
Taxes
Tax Deduction
Term
Working Hours
Applicable Law
Business Day
Default Interest Rate
Default Notice
Drawdown Date
Drawdown Notice
Event of Default
Final Repayment Date
Financial Indebtedness
Interest Payment Date
Interest Period
Interest Rate
Irish Consumer Credit Laws
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Outstanding Amount
Parties
Permitted Purpose
Potential Event of Default
Prepayment Notice
Principal Amount
Regulated Credit Institution
Relevant Authority
Repayment Date
Repayment Schedule
Taxes
Tax Deduction
Term
Working Hours
Clauses
Interpretation
Definitions
Loan Facility
Purpose
Drawdown
Interest
Repayment
Prepayment
Representations and Warranties
Covenants
Information Undertakings
Events of Default
Acceleration
Set-off
Changes to Parties
Payment Mechanics
Notices
Calculations
Amendments
Confidentiality
Data Protection
Anti-Money Laundering
Force Majeure
Assignment
Severability
Entire Agreement
Waiver
Counterparts
Third Party Rights
Governing Law
Jurisdiction
Definitions
Loan Facility
Purpose
Drawdown
Interest
Repayment
Prepayment
Representations and Warranties
Covenants
Information Undertakings
Events of Default
Acceleration
Set-off
Changes to Parties
Payment Mechanics
Notices
Calculations
Amendments
Confidentiality
Data Protection
Anti-Money Laundering
Force Majeure
Assignment
Severability
Entire Agreement
Waiver
Counterparts
Third Party Rights
Governing Law
Jurisdiction
Relevant Industries
Banking & Financial Services
Real Estate
Retail
Healthcare
Technology
Manufacturing
Professional Services
Education
Hospitality
Construction
Agriculture
Non-Profit Organizations
Small Business & Startups
E-commerce
Relevant Teams
Legal
Finance
Compliance
Risk Management
Credit Administration
Corporate Banking
Commercial Lending
Treasury
Operations
Business Development
Administrative Services
Relevant Roles
Chief Financial Officer
Finance Director
Legal Counsel
Compliance Officer
Credit Manager
Risk Manager
Corporate Lawyer
Banking Manager
Loan Officer
Financial Controller
Treasury Manager
Commercial Director
Business Development Manager
Company Secretary
Contracts Manager
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