This Cash Advance Loan Agreement template is designed for use in Malaysia by licensed financial institutions and moneylenders providing short-term financing solutions. It is structured to comply with Malaysian financial regulations, including the Moneylenders Act 1951, Financial Services Act 2013, and relevant consumer protection laws. The document is suitable for both individual and corporate borrowing scenarios, containing provisions for loan amount, interest calculations, repayment terms, security arrangements, and default consequences. It includes mandatory clauses required by Malaysian law and can be customized based on the specific requirements of the transaction while maintaining regulatory compliance. The agreement is particularly useful for situations requiring quick access to funds with clear repayment terms and security arrangements.

1. Parties: Identification of the lender and borrower with complete details as required by Malaysian law

2. Background: Context of the loan agreement and relationship between parties

3. Definitions: Definitions of key terms used throughout the agreement

4. Loan Amount and Purpose: Specification of the cash advance amount and its intended use

5. Interest Rate and Charges: Details of interest rate, calculation method, and any additional charges in compliance with Malaysian usury laws

6. Repayment Terms: Payment schedule, method of payment, and consequences of early or late payment

7. Conditions Precedent: Conditions that must be satisfied before the loan becomes effective

8. Representations and Warranties: Statements of fact and assurances from the borrower

9. Borrower's Covenants: Ongoing obligations and commitments of the borrower

10. Events of Default: Circumstances constituting default and consequences thereof

11. Remedies: Lender's rights and remedies in case of default

12. Governing Law and Jurisdiction: Specification of Malaysian law as governing law and jurisdiction for disputes

13. Notices: Method and addresses for official communications between parties

14. General Provisions: Standard boilerplate clauses including severability, entire agreement, and amendments