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1. Parties: Identification of the lender(s), borrower(s), and any guarantors or security providers
2. Background: Context of the loan arrangement and purpose of the agreement
3. Definitions and Interpretation: Definitions of key terms and interpretation rules for the agreement
4. The Facility: Details of the loan amount, purpose, and drawdown conditions
5. Interest: Interest rate, calculation methods, and payment terms
6. Repayment and Prepayment: Terms for loan repayment, prepayment rights and conditions
7. Security: Creation and terms of security interests, including types of collateral
8. Representations and Warranties: Statements of fact and assurances given by the borrower
9. Covenants: Positive and negative obligations of the borrower during the loan term
10. Events of Default: Circumstances constituting default and consequences
11. Enforcement: Rights and remedies upon default, including security enforcement
12. Payments and Calculations: Payment mechanics, currency, and calculation conventions
13. Changes to Parties: Rules for assignment and transfer of rights and obligations
14. Notices: Communication requirements and contact details
15. General Provisions: Boilerplate clauses including governing law and jurisdiction
1. Accordion Facility: Optional section for when the facility can be increased under specified conditions
2. Multiple Lenders Provisions: Required when there is more than one lender, including syndication provisions
3. Guarantees: Required when third-party guarantees are part of the security package
4. Subordination: Required when there are multiple creditors requiring ranking of priority
5. Tax Gross-Up and Indemnities: Detailed tax provisions when cross-border elements exist
6. Increased Costs: Provisions for regulatory changes affecting lender's costs
7. Set-off Rights: Specific set-off provisions when parties have multiple relationships
8. Break Costs: Required for fixed-rate loans or specific prepayment scenarios
1. Facility Terms: Detailed commercial terms including amount, interest rate, and repayment schedule
2. Conditions Precedent: List of required documents and conditions for drawdown
3. Form of Drawdown Request: Template for borrower to request loan disbursement
4. Security Documents: List and copies of all security documentation
5. Repayment Schedule: Detailed amortization schedule if applicable
6. Form of Transfer Certificate: Template for transferring loan participations
7. Security Assets Schedule: Detailed description of all assets subject to security
8. Authorized Signatories: List of persons authorized to act for each party
9. Calculation Methods: Detailed procedures for calculating interest, fees, and other amounts
Additional Borrower
Additional Guarantor
Additional Security Provider
Affiliate
Agreement
Applicable Margin
Availability Period
Break Costs
Business Day
Collateral
Commitment
Confidential Information
Default
Default Interest
Disruption Event
Drawdown Date
Drawdown Request
Event of Default
Facility
Facility Amount
Finance Documents
Finance Parties
Financial Indebtedness
Financial Statements
Group
Guarantee
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Legal Reservations
Lender
Loan
Material Adverse Effect
Obligor
Original Financial Statements
Participating Member State
Party
Perfection Requirements
Permitted Security
Potential Event of Default
Principal Outstanding Amount
Quotation Day
Reference Banks
Reference Rate
Repayment Date
Repayment Installment
Repeating Representations
Secured Assets
Secured Obligations
Secured Parties
Security
Security Agent
Security Documents
Security Interest
Security Period
Security Provider
Tax
Tax Deduction
Transaction Documents
Transfer Certificate
Utilization
VAT
Facility Terms
Purpose
Conditions Precedent
Drawdown
Interest
Interest Periods
Market Disruption
Repayment
Prepayment
Cancellation
Security Creation
Security Perfection
Further Assurance
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Acceleration
Security Enforcement
Changes to Parties
Payment Mechanics
Set-off
Costs and Expenses
Indemnities
Currency
Tax Gross-up
Increased Costs
Mitigation
Confidentiality
Notices
Calculations
Amendments and Waivers
Severability
Counterparts
Governing Law
Jurisdiction
Process Agent
Waiver of Immunity
Financial Services
Banking
Real Estate
Manufacturing
Technology
Infrastructure
Energy
Healthcare
Retail
Transportation
Construction
Agriculture
Legal
Finance
Treasury
Risk Management
Compliance
Credit
Corporate Banking
Transaction Management
Business Development
Operations
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Risk Manager
Credit Manager
Relationship Manager
Compliance Officer
Security Trustee
Loan Officer
Transaction Manager
Financial Controller
General Counsel
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