The Credit Facility Agreement is a fundamental financing document used when a lender provides credit to a borrower under Dutch law. It serves as the primary documentation for various types of credit arrangements, from simple bilateral facilities to complex syndicated loans. The agreement must comply with Dutch financial regulations, including the Financial Supervision Act (Wft) and relevant provisions of the Dutch Civil Code (Burgerlijk Wetboek), while also adhering to EU financial regulations. This document typically includes detailed provisions on facility terms, drawdown mechanics, repayment obligations, security arrangements (if applicable), financial covenants, and events of default. It's particularly crucial for businesses seeking working capital, expansion financing, or project funding, and requires careful consideration of both Dutch banking regulations and market practice.

1. Parties: Identification of the lender(s), borrower(s), and any guarantors or security providers

2. Background: Context of the agreement and purpose of the facility

3. Definitions and Interpretation: Detailed definitions of terms used throughout the agreement and rules of interpretation

4. The Facility: Core terms of the credit facility including amount, purpose, and availability period

5. Conditions Precedent: Conditions that must be satisfied before the facility becomes available

6. Utilization: Process and requirements for drawing down the facility

7. Interest: Interest calculation, periods, payment dates, and default interest provisions

8. Repayment: Terms for repayment of the facility including scheduled payments and final maturity

9. Prepayment: Provisions for voluntary and mandatory prepayment of the facility

10. Fees: All fees payable under the facility including arrangement, commitment, and other fees

11. Tax Gross Up and Indemnities: Provisions dealing with tax implications and related indemnities

12. Increased Costs and Illegality: Provisions for dealing with changes in law or circumstances affecting the facility

13. Representations and Warranties: Standard representations and warranties given by the borrower

14. Information Undertakings: Borrower's obligations to provide financial and other information

15. General Undertakings: General covenants and obligations of the borrower

16. Events of Default: Circumstances constituting default and consequences

17. Changes to Parties: Rules for assignments and transfers

18. Administration: Administrative provisions including payment mechanics and calculations

19. Notices: Rules for giving notices under the agreement

20. Governing Law and Jurisdiction: Choice of Dutch law and jurisdiction provisions