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1. Parties: Identification of the lender(s) and borrower(s) with complete details
2. Background: Context of the facility, including borrower's business and purpose of the facility
3. Definitions and Interpretation: Definitions of terms used in the agreement and rules of interpretation
4. The Facility: Details of the working capital facility, including type, amount, and purpose
5. Conditions Precedent: Conditions that must be satisfied before the facility becomes available
6. Drawdown and Utilisation: Procedures and conditions for drawing down the facility
7. Interest and Fees: Interest rates, calculation methods, and applicable fees
8. Repayment and Prepayment: Terms for repayment and any prepayment provisions
9. Representations and Warranties: Borrower's representations regarding its status, capacity, and compliance
10. Information Undertakings: Borrower's obligations to provide financial and other information
11. General Undertakings: Borrower's general operational and business commitments
12. Financial Covenants: Financial ratios and thresholds the borrower must maintain
13. Events of Default: Circumstances constituting default and consequences
14. Changes to Parties: Rules for assignment and transfer of rights and obligations
15. Payment Mechanics: Payment procedures, timing, and currency provisions
16. Notices: Communication procedures between parties
17. Governing Law and Jurisdiction: Applicable law and dispute resolution provisions
1. Security: Required if the facility is secured, detailing the security structure and enforcement rights
2. Guarantee: Include when there are corporate or personal guarantors for the facility
3. Agent and Security Trustee Provisions: Required for syndicated facilities with multiple lenders
4. Set-off Rights: Detailed set-off provisions if specifically required by the lender
5. Increased Costs and Tax Gross-up: Include for sophisticated borrowers or when tax implications need specific attention
6. Market Disruption: Include for facilities with floating interest rates
7. Accordion Facility: Optional provision for future increase in facility amount
8. Force Majeure: Specific provisions for unforeseen events affecting facility operation
1. Facility Limits and Sub-limits: Detailed breakdown of facility components and their respective limits
2. Conditions Precedent Documents: List of required documents and conditions to be satisfied
3. Form of Drawdown Notice: Template for borrower's drawdown requests
4. Calculation of Interest and Fees: Detailed methodology for calculating interest and fees
5. Security Details: Description of security assets and perfection requirements
6. Form of Compliance Certificate: Template for periodic compliance reporting
7. Existing Security and Permitted Indebtedness: List of pre-existing security and allowed debt
8. Form of Assignment and Transfer Certificates: Templates for transferring facility interests
9. Financial Covenants Calculations: Detailed methodology for calculating financial covenants
10. Contact Details: List of authorized representatives and contact information
Borrower
Business Day
Charged Assets
Commitment
Compliance Certificate
Default
Default Rate
Drawing
Drawdown Date
Drawdown Notice
Event of Default
Facility
Facility Documents
Facility Limit
Finance Documents
Financial Indebtedness
Financial Statements
Financial Year
GAAP
Group
Guarantee
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Legal Requirement
Margin
Material Adverse Effect
Obligors
Permitted Security
Potential Event of Default
Prepayment Date
Quarter Date
Relevant Authority
Repayment Date
RBI
Security
Security Documents
Security Interest
Security Provider
Stamp Act
Sub-Limit
Tax
Transaction Documents
Unpaid Sum
Utilisation
Utilisation Date
Utilisation Request
Working Capital
Working Day
Facility Terms
Purpose
Conditions Precedent
Drawdown
Interest
Fees
Commission
Repayment
Prepayment
Security
Representations and Warranties
Information Covenants
Financial Covenants
General Undertakings
Events of Default
Remedies and Waivers
Security Enforcement
Set-off
Changes to Parties
Assignment and Transfer
Costs and Expenses
Indemnities
Notices
Calculations
Partial Invalidity
Amendments and Waivers
Confidentiality
Counterparts
Governing Law
Dispute Resolution
Force Majeure
Anti-corruption
Sanctions Compliance
Tax Provisions
Currency Provisions
Payment Mechanics
Increased Costs
Market Disruption
Stamp Duty
Registration Requirements
Manufacturing
Retail
Information Technology
Pharmaceuticals
Construction
Agriculture
Automotive
Textiles
FMCG
Infrastructure
Trading
Logistics
Healthcare
Real Estate
Education
Legal
Finance
Treasury
Corporate Banking
Risk Management
Compliance
Credit
Company Secretarial
Business Development
Senior Management
Operations
Chief Financial Officer
Finance Director
Treasury Manager
Financial Controller
Corporate Lawyer
Legal Counsel
Relationship Manager (Banking)
Credit Manager
Risk Manager
Company Secretary
Managing Director
Finance Manager
Accounts Manager
Corporate Banking Officer
Compliance Officer
Credit Analyst
Business Development Manager
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