The Bridge Loan Agreement is a crucial financing document used when companies require immediate short-term funding to meet urgent financial obligations or capitalize on time-sensitive opportunities. Under Indian law, this agreement type must comply with various regulations, including the Banking Regulation Act, 1949, and RBI guidelines on short-term credit facilities. The document is commonly used in scenarios such as property acquisitions, corporate restructuring, or pending equity financing rounds. It outlines key terms including loan amount, interest rates, maturity date (typically 6-18 months), repayment mechanisms, and any security arrangements. The agreement usually includes provisions for early repayment upon occurrence of specific events, such as receipt of permanent financing or completion of a capital raising exercise. Bridge Loan Agreements in India often require additional documentation for security creation and may need to be registered depending on the nature of any collateral provided.
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1. Parties: Identification of the lender(s) and borrower(s) with their complete legal details
2. Background: Context of the bridge loan, including purpose and anticipated permanent financing or repayment source
3. Definitions and Interpretation: Definitions of key terms and interpretation rules used throughout the agreement
4. The Facility: Details of the loan amount, purpose, and availability period
5. Conditions Precedent: Conditions that must be satisfied before the loan can be drawn
6. Drawdown: Procedures and requirements for drawing down the loan
7. Interest: Interest rate, calculation method, and payment dates
8. Repayment and Prepayment: Terms for repayment, including trigger events and prepayment provisions
9. Representations and Warranties: Standard and transaction-specific representations by the borrower
10. Covenants: Positive and negative obligations of the borrower during the loan term
11. Events of Default: Circumstances constituting default and consequences thereof
12. Costs and Expenses: Allocation of transaction costs and ongoing expenses
13. Notices: Communication procedures between parties
14. Governing Law and Jurisdiction: Applicable law and dispute resolution provisions
1. Security: Details of any security or collateral - include if the bridge loan is secured
2. Conversion Rights: Terms for converting the bridge loan into equity - include if conversion rights are part of the deal
3. Syndication Provisions: Rules for multiple lenders - include if there is more than one lender
4. Guarantee: Terms of any guarantee - include if there are guarantors
5. Subordination: Priority ranking of the bridge loan - include if there are other creditors requiring intercreditor arrangements
6. Tax Provisions: Detailed tax treatment and gross-up provisions - include if cross-border elements exist
7. Assignment and Transfer: Rules for transferring the loan - include if transfer rights are contemplated
8. Agent Provisions: Role and responsibilities of any facility agent - include in syndicated deals
1. Form of Drawdown Notice: Standard form for requesting loan disbursement
2. Conditions Precedent Documents: List of required documents and conditions to be satisfied before drawdown
3. Repayment Schedule: Detailed schedule of repayment dates and amounts, if applicable
4. Security Details: Specific description of security assets and perfection requirements
5. Form of Compliance Certificate: Template for periodic compliance certification by borrower
6. Existing Indebtedness: List of borrower's existing debt obligations
7. Form of Transfer Certificate: Standard form for transferring loan participations
8. Financial Covenants Calculations: Detailed methodology for calculating financial covenants
Relevant legal definitions
Availability Period
Business Day
Closing Date
Commitment
Default
Default Interest
Drawdown Date
Drawdown Notice
Event of Default
Facility
Finance Documents
Financial Indebtedness
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Material Adverse Effect
Maturity Date
Permanent Financing
Permitted Security
Potential Default
Prepayment Event
Principal Amount
Repayment Date
Secured Obligations
Security
Security Documents
Specified Purpose
Tax
Transaction Documents
Utilisation
Utilisation Date
Utilisation Request
Outstanding Amount
Permanent Financing Event
Qualifying IPO
Relevant Jurisdiction
RBI
Security Provider
Stamp Act
Conditions Precedent
Financial Statements
Group
Subsidiary
Working Day
Material Contracts
Permitted Disposal
Security Interest
Tax Deduction
Business Day
Closing Date
Commitment
Default
Default Interest
Drawdown Date
Drawdown Notice
Event of Default
Facility
Finance Documents
Financial Indebtedness
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Material Adverse Effect
Maturity Date
Permanent Financing
Permitted Security
Potential Default
Prepayment Event
Principal Amount
Repayment Date
Secured Obligations
Security
Security Documents
Specified Purpose
Tax
Transaction Documents
Utilisation
Utilisation Date
Utilisation Request
Outstanding Amount
Permanent Financing Event
Qualifying IPO
Relevant Jurisdiction
RBI
Security Provider
Stamp Act
Conditions Precedent
Financial Statements
Group
Subsidiary
Working Day
Material Contracts
Permitted Disposal
Security Interest
Tax Deduction
Clauses
Interpretation
Loan Facility
Purpose
Conditions Precedent
Drawdown
Interest
Repayment
Prepayment
Security
Representations and Warranties
Information Undertakings
General Undertakings
Financial Covenants
Events of Default
Changes to Parties
Payment Mechanics
Set-off
Notices
Calculations and Certificates
Partial Invalidity
Remedies and Waivers
Amendments and Waivers
Confidentiality
Counterparts
Governing Law
Enforcement
Jurisdiction
Service of Process
Force Majeure
Assignment
Costs and Expenses
Indemnities
Tax Gross-up
Currency
Acceleration
Security Enforcement
Cross-Default
Material Adverse Change
Compliance with Laws
Anti-corruption
Sanctioned Transactions
Loan Facility
Purpose
Conditions Precedent
Drawdown
Interest
Repayment
Prepayment
Security
Representations and Warranties
Information Undertakings
General Undertakings
Financial Covenants
Events of Default
Changes to Parties
Payment Mechanics
Set-off
Notices
Calculations and Certificates
Partial Invalidity
Remedies and Waivers
Amendments and Waivers
Confidentiality
Counterparts
Governing Law
Enforcement
Jurisdiction
Service of Process
Force Majeure
Assignment
Costs and Expenses
Indemnities
Tax Gross-up
Currency
Acceleration
Security Enforcement
Cross-Default
Material Adverse Change
Compliance with Laws
Anti-corruption
Sanctioned Transactions
Relevant Industries
Banking and Financial Services
Real Estate
Infrastructure
Manufacturing
Technology
Healthcare
Retail
Energy
Telecommunications
Construction
Mining
Agriculture
Hospitality
Education
Transportation and Logistics
Relevant Teams
Legal
Finance
Treasury
Corporate Finance
Risk Management
Compliance
Credit
Banking
Corporate Secretarial
Senior Management
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Corporate Lawyer
Legal Counsel
Banking Relationship Manager
Credit Risk Manager
Loan Officer
Company Secretary
Finance Manager
Corporate Finance Manager
Investment Banker
Managing Director
Chief Executive Officer
Risk Manager
Compliance Officer
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