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1. Parties: Identification of the lender and borrower with full legal names and details
2. Background: Context of the agreement and purpose of the credit facility
3. Definitions: Definitions of key terms used throughout the agreement
4. Facility Establishment: Terms of the credit facility including limit, purpose, and availability
5. Interest and Fees: Interest rate calculation, fees structure, and payment terms
6. Drawdown Provisions: Process and conditions for drawing down the credit facility
7. Repayment Terms: Repayment obligations, minimum payments, and payment application order
8. Borrower Representations: Borrower's warranties and ongoing representations
9. Borrower Covenants: Positive and negative obligations of the borrower
10. Events of Default: Circumstances constituting default and consequences
11. Enforcement Rights: Lender's rights and remedies upon default
12. General Provisions: Standard contractual terms including notices, amendments, and governing law
1. Security Provisions: Required if the facility is secured, detailing the security arrangement and PPSA provisions
2. Guarantor Provisions: Required if there are guarantors, detailing guarantor obligations and rights
3. Multi-currency Provisions: Required if the facility can be drawn in multiple currencies
4. Insurance Requirements: Required if specific insurance coverage is mandatory
5. Special Drawing Conditions: Required if there are industry-specific or purpose-specific drawing conditions
6. Review and Variation: Optional section for periodic review of facility terms and variation procedures
1. Facility Details: Specific details of the facility including limit, interest rates, fees, and charges
2. Drawing Notice: Form of notice required for drawdown requests
3. Conditions Precedent: List of conditions to be satisfied before facility availability
4. Disclosure Statement: Mandatory disclosure information required under CCCFA
5. Direct Debit Authority: Form for setting up automatic payments
6. Security Details: Details of any security provided (if applicable)
7. Fee Schedule: Comprehensive list of all applicable fees and charges
Base Rate
Business Day
Commitment
Credit Limit
Default Interest Rate
Default Event
Drawdown
Drawdown Date
Drawdown Notice
Facility
Facility Documents
Financial Indebtedness
Interest Payment Date
Interest Period
Interest Rate
Law
Lender
Material Adverse Effect
Obligor
Outstanding Amount
Permitted Purpose
Potential Default Event
Prepayment
Reference Banks
Repayment Date
Security
Security Interest
Security Provider
Termination Date
Total Commitment
Transaction Documents
Unpaid Sum
Utilization
Working Day
Facility Establishment
Purpose
Conditions Precedent
Drawdown
Interest
Fees and Charges
Repayment
Prepayment
Security
Representations and Warranties
Financial Covenants
General Undertakings
Information Undertakings
Events of Default
Enforcement
Changes to Parties
Administrative Provisions
Confidentiality
Privacy
Anti-Money Laundering
Notices
Amendments
Assignment
Set-off
Currency
Calculations
Indemnities
Costs and Expenses
Force Majeure
Severability
Governing Law
Dispute Resolution
Banking
Financial Services
Small Business
Commercial Real Estate
Retail
Manufacturing
Construction
Agriculture
Professional Services
Technology
Healthcare
Hospitality
Legal
Finance
Credit
Risk Management
Compliance
Treasury
Commercial Banking
Corporate Banking
Operations
Business Development
Account Management
Chief Financial Officer
Finance Manager
Credit Manager
Risk Manager
Commercial Banker
Relationship Manager
Legal Counsel
Compliance Officer
Credit Analyst
Financial Controller
Treasury Manager
Loan Officer
Business Development Manager
Account Manager
Corporate Banking Officer
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