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1. Parties: Identification of the lender and borrower with complete details including registration numbers and addresses
2. Background: Context of the credit facility, purpose of the loan, and basic transaction structure
3. Definitions and Interpretation: Definitions of key terms used throughout the agreement and rules of interpretation
4. Facility Amount and Purpose: Details of the credit facility amount, type, and permitted purpose of the loan
5. Interest and Fees: Interest rate provisions, calculation methods, payment periods, and applicable fees
6. Drawdown and Disbursement: Conditions and procedures for disbursement of the loan
7. Repayment Terms: Repayment schedule, payment methods, and prepayment provisions
8. Security: Details of collateral or security provided for the loan
9. Representations and Warranties: Statements of fact and assurances given 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. Remedies: Rights and remedies available to the lender upon default
13. Notices: Communication protocols and contact details for formal notices
14. Governing Law and Jurisdiction: Applicable law and courts having jurisdiction over disputes
1. Guarantee: Required when a third party guarantees the loan obligations
2. Insurance: Specific insurance requirements for secured assets or borrower's life insurance
3. Assignment and Transfer: Terms for transferring or assigning rights under the agreement, needed for syndicated loans
4. Force Majeure: Provisions for unforeseen circumstances affecting loan obligations
5. Anti-Money Laundering Provisions: Required for high-value loans or when dealing with specific regulated entities
6. Digital Documentation: Required when agreement execution happens digitally
7. Cross Default: Needed when borrower has multiple facilities or loans
8. Security Trustee: Required in case of multiple lenders or syndicated facilities
1. Facility Terms: Detailed terms of the credit facility including limits, sub-limits, and specific conditions
2. Conditions Precedent: List of documents and conditions to be satisfied before disbursement
3. Security Details: Detailed description of security/collateral including valuation and maintenance requirements
4. Repayment Schedule: Detailed amortization schedule with payment dates and amounts
5. Form of Drawdown Notice: Template for requesting disbursement of loan amounts
6. Financial Covenants: Detailed financial ratios and requirements to be maintained
7. Fee Schedule: Breakdown of all applicable fees and charges
8. KYC Requirements: List of required Know Your Customer documents and compliance requirements
9. Standard Forms: Templates for various notices, certificates, and other standard documents
Affiliate
Applicable Law
Availability Period
Banking Day
Borrower
Business Day
Change in Law
Charged Assets
Commitment
Compliance Certificate
Conditions Precedent
Control
Default
Default Interest
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
Encumbrance
Event of Default
Facility
Facility Amount
Facility Documents
Financial Indebtedness
Financial Statements
Financial Year
Force Majeure Event
Group
Guarantee
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
License
Loan
Material Adverse Effect
Maturity Date
Obligor
Outstanding Amount
Potential Event of Default
Prepayment
Principal
Property
Quarter
RBI
Reference Bank
Reference Rate
Repayment Date
Repayment Schedule
Security
Security Documents
Security Interest
Security Provider
Subsidiary
Tax
Transaction Documents
Utilization
Interest and Fees
Repayment
Security
Disbursement
Conditions Precedent
Representations and Warranties
Covenants
Events of Default
Remedies
Assignment and Transfer
Guarantee
Anti-Money Laundering
Confidentiality
Force Majeure
Indemnification
Set-off
Notices
Amendments and Waivers
Severability
Entire Agreement
Further Assurance
Counterparts
Governing Law
Jurisdiction
Dispute Resolution
Costs and Expenses
Taxes
Insurance
Information Undertakings
Financial Covenants
Acceleration
Cross Default
Change of Control
Increased Costs
Market Disruption
Illegality
Agency Provisions
Security Trustee Provisions
Banking and Financial Services
Real Estate
Manufacturing
Infrastructure
Technology
Healthcare
Retail
Agriculture
Education
Transportation and Logistics
Energy and Utilities
Telecommunications
Construction
Mining and Metals
Legal
Finance
Treasury
Compliance
Risk Management
Credit
Corporate Banking
Operations
Business Development
Company Secretarial
Documentation
Chief Financial Officer
Finance Director
Legal Counsel
Company Secretary
Credit Manager
Risk Manager
Compliance Officer
Treasury Manager
Banking Relationship Manager
Finance Manager
Corporate Lawyer
Investment Officer
Credit Analyst
Contract Manager
Financial Controller
Business Development Manager
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