The Term Loan Facility Agreement is a crucial financing document used when a borrower requires long-term funding for specific purposes such as capital expenditure, expansion, or project financing. This agreement, governed by Indian law, establishes a legally binding relationship between the lender (typically a bank or financial institution) and the borrower, documenting all essential aspects of the loan facility including the amount, tenure, interest rate, repayment terms, and security structure. The document must comply with Indian banking regulations, particularly Reserve Bank of India guidelines, the Indian Contract Act, and other relevant legislation. It includes comprehensive provisions for drawdown conditions, representations, covenants, and events of default, making it suitable for both secured and unsecured lending arrangements. The agreement serves as the foundation for the entire lending relationship and is crucial for protecting the interests of all parties involved.
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1. Parties: Identifies the lender(s) and borrower(s) with their full legal names and addresses
2. Background: Provides context of the loan facility and purpose
3. Definitions and Interpretation: Defines key terms used throughout the agreement and interpretation rules
4. The Facility: Details of the loan amount, purpose, and availability period
5. Conditions Precedent: Conditions that must be satisfied before drawdown
6. Drawdown: Procedures and requirements for utilizing the loan facility
7. Interest: Interest rate, calculation method, and payment provisions
8. Repayment: Terms and schedule for repayment of the loan
9. Prepayment: Provisions for early repayment, including any penalties
10. Representations and Warranties: Statements of fact and assurances given by the borrower
11. Covenants: Positive and negative obligations of the borrower during the loan term
12. Events of Default: Circumstances constituting default and consequences
13. Changes to Parties: Rules for assignment and transfer of rights and obligations
14. Payment Mechanics: Details of payment procedures, timing, and accounts
15. Notices: Communication procedures between parties
16. Miscellaneous: Standard boilerplate provisions
17. Governing Law and Jurisdiction: Applicable law and dispute resolution provisions
1. Security: Include when the loan is secured - details security arrangements and enforcement
2. Guarantee: Include when there are guarantors for the loan
3. Insurance: Include when specific insurance requirements are imposed on the borrower
4. Project Monitoring: Include when loan is for specific project requiring monitoring
5. Additional Representations: Include for sector-specific or special circumstances requiring additional assurances
6. Increased Costs: Include for managing regulatory or market changes affecting lender's costs
7. Tax Gross Up and Indemnities: Include when tax implications need specific attention
8. Currency Provisions: Include for loans involving foreign currency
9. Syndication Provisions: Include when loan may be syndicated
10. Green Loan Provisions: Include for environmentally-linked loans with specific compliance requirements
1. Conditions Precedent: Detailed list of documents and conditions required before drawdown
2. Form of Drawdown Request: Template for borrower to request loan disbursement
3. Repayment Schedule: Detailed amortization schedule with payment dates and amounts
4. Form of Transfer Certificate: Template for transferring loan participation
5. Security Details: Detailed description of security assets and perfection requirements
6. Financial Covenants: Detailed financial ratios and calculations
7. Form of Compliance Certificate: Template for periodic compliance reporting
8. Existing Security and Facilities: List of existing borrowings and security arrangements
9. Project Details: Detailed description of project being financed (if project-specific)
10. Fee Schedule: Detailed breakdown of all applicable fees
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