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1. Parties: Identifies and defines the lender, borrower, and any guarantors or security providers
2. Background: Sets out the context of the facility and purpose of the loan
3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes interpretation principles
4. The Facility: Details the type, amount, and purpose of the facility being provided
5. Conditions Precedent: Lists all conditions that must be satisfied before the facility can be drawn
6. Drawdown: Specifies the drawdown mechanics, notice requirements, and availability period
7. Interest: Details interest rate, calculation method, payment dates, and default interest provisions
8. Repayment and Prepayment: Specifies repayment schedule, prepayment terms, and related conditions
9. Representations and Warranties: Sets out the borrower's representations and warranties
10. Covenants: Details positive and negative covenants applicable to the borrower
11. Events of Default: Lists circumstances constituting default and their consequences
12. Security: Describes the security package and enforcement rights
13. Payments: Specifies payment mechanics, currency, and tax provisions
14. Costs and Expenses: Allocates responsibility for fees, costs, and expenses
15. Changes to Parties: Covers assignment and transfer provisions
16. Notices: Details how formal communications between parties should be made
17. General Provisions: Contains boilerplate clauses including severability, amendments, governing law
1. Islamic Banking Provisions: Required when the facility needs to comply with Shariah principles
2. Currency Provisions: Required for multi-currency facilities or foreign currency loans
3. Syndication Provisions: Required when multiple lenders are involved or syndication is contemplated
4. Guarantee: Required when there are guarantors providing support for the facility
5. Subordination: Required when there are multiple creditors requiring ranking of priority
6. Set-off Rights: Optional provisions for lender's set-off rights against borrower's accounts
7. Force Majeure: Optional provisions dealing with unforeseen circumstances affecting performance
8. Anti-Money Laundering: Required for regulated lenders or high-risk borrowers
9. Environmental Covenants: Required for projects with environmental impacts or risks
1. Conditions Precedent: Detailed list of required documents and conditions
2. Form of Drawdown Notice: Template for borrower to request loan disbursement
3. Repayment Schedule: Detailed amortization or repayment schedule
4. Security Documents: List and copies of all security documents
5. Borrower Group Structure: Corporate structure chart of borrower group
6. Financial Covenants: Detailed financial ratios and calculations
7. Form of Compliance Certificate: Template for periodic compliance reporting
8. Permitted Security: List of existing and permitted security interests
9. Form of Transfer Certificate: Template for transferring loan participations
10. Facility Specific Terms: Detailed terms specific to each facility type if multiple facilities
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