The Project Loan Agreement is a specialized financing document used in New Zealand when lenders provide funding for specific projects across various sectors. It is particularly relevant for large-scale developments requiring structured financing arrangements. The agreement combines standard loan facility provisions with project-specific requirements, including detailed drawdown mechanics tied to project milestones, comprehensive security packages, and specialized covenants reflecting New Zealand's regulatory environment. This document is essential for project financing transactions where lenders require strict control and monitoring of the project's progress while maintaining security over project assets and cash flows. The agreement must comply with New Zealand's financial regulations, including the Financial Markets Conduct Act 2013 and the Contract and Commercial Law Act 2017.
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1. Parties: Identification of the lender(s), borrower(s), and any guarantors or security providers
2. Background: Context of the project loan, purpose, and general transaction structure
3. Definitions and Interpretation: Defined terms, interpretation rules, and construction principles
4. The Facility: Loan amount, purpose, availability period, and drawdown conditions
5. Interest and Fees: Interest rate, calculation methods, fees, and payment terms
6. Repayment and Prepayment: Repayment schedule, prepayment terms, and mandatory prepayment events
7. Conditions Precedent: Conditions to be satisfied before drawdown and ongoing conditions
8. Representations and Warranties: Borrower's statements of fact and assurances about its status and the project
9. Covenants: Positive and negative undertakings relating to the project and general business conduct
10. Project Undertakings: Specific obligations regarding project execution, monitoring, and completion
11. Events of Default: Circumstances constituting default and consequences
12. Security: Overview of security structure and enforcement rights
13. Changes to Parties: Assignment and transfer provisions
14. Administration: Payment mechanics, calculations, and notices
15. Governing Law and Enforcement: Choice of law, jurisdiction, and dispute resolution
1. Accordion Facility: Optional section for when the facility amount may be increased under specified conditions
2. Multiple Lenders Provisions: Required when there is more than one lender, including majority voting and agency provisions
3. Construction Provisions: Required for construction projects, including milestone requirements and construction monitoring
4. Environmental Compliance: Detailed environmental requirements for projects with significant environmental impact
5. Insurance Requirements: Detailed insurance provisions for high-risk projects
6. Security Trustee Provisions: Required when security is held by a security trustee
7. Intercreditor Provisions: Required when there are multiple classes of creditors
8. Hedging Requirements: Required when interest rate or currency hedging is mandatory
9. Step-in Rights: For projects where lender step-in rights are required
1. Conditions Precedent: Detailed list of required documents and conditions
2. Form of Drawdown Request: Template for borrower to request loan disbursements
3. Project Documents: List and copies of key project documents
4. Repayment Schedule: Detailed amortization schedule if applicable
5. Financial Covenants: Detailed financial ratios and calculations
6. Form of Compliance Certificate: Template for periodic compliance reporting
7. Project Budget and Timeline: Detailed project costs and implementation schedule
8. Security Documents: Forms of security documents and security details
9. Authorised Signatories: List of persons authorized to sign notices and requests
10. Technical Requirements: Detailed technical specifications for the project
Relevant legal definitions
Acceptable Bank
Account Bank
Additional Lender
Affiliate
Availability Period
Break Costs
Business Day
Charged Property
Commitment
Completion Date
Compliance Certificate
Default
Default Rate
Disruption Event
Drawdown Date
Drawdown Request
Event of Default
Facility
Facility Office
Finance Document
Finance Parties
Financial Close
Financial Indebtedness
Financial Year
GST
Holding Company
Independent Technical Advisor
Interest Payment Date
Interest Period
Legal Reservations
Lender
Loan
Majority Lenders
Material Adverse Effect
New Zealand GAAP
Obligor
Original Financial Statements
Participating Member State
Party
Permitted Security Interest
Project
Project Accounts
Project Assets
Project Budget
Project Costs
Project Documents
Project Milestone
Project Site
Project Works
Qualifying Lender
Quote Day
Reference Banks
Repeating Representations
Representatives
Security
Security Documents
Security Interest
Security Provider
Security Trust Deed
Subsidiary
Tax
Technical Advisor
Technical Report
Term
Testing Date
Total Commitments
Transaction Documents
Transfer Certificate
Unpaid Sum
Account Bank
Additional Lender
Affiliate
Availability Period
Break Costs
Business Day
Charged Property
Commitment
Completion Date
Compliance Certificate
Default
Default Rate
Disruption Event
Drawdown Date
Drawdown Request
Event of Default
Facility
Facility Office
Finance Document
Finance Parties
Financial Close
Financial Indebtedness
Financial Year
GST
Holding Company
Independent Technical Advisor
Interest Payment Date
Interest Period
Legal Reservations
Lender
Loan
Majority Lenders
Material Adverse Effect
New Zealand GAAP
Obligor
Original Financial Statements
Participating Member State
Party
Permitted Security Interest
Project
Project Accounts
Project Assets
Project Budget
Project Costs
Project Documents
Project Milestone
Project Site
Project Works
Qualifying Lender
Quote Day
Reference Banks
Repeating Representations
Representatives
Security
Security Documents
Security Interest
Security Provider
Security Trust Deed
Subsidiary
Tax
Technical Advisor
Technical Report
Term
Testing Date
Total Commitments
Transaction Documents
Transfer Certificate
Unpaid Sum
Clauses
Interpretation
Facility Terms
Purpose
Drawdown
Interest
Repayment
Prepayment
Cancellation
Security
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Project Undertakings
Environmental Compliance
Insurance
Events of Default
Changes to Parties
Payment Mechanics
Set-off
Costs and Expenses
Indemnities
Representations
Notices
Calculations
Confidentiality
Counterparts
Assignment and Transfer
Amendments
Governing Law
Dispute Resolution
Force Majeure
Project Monitoring
Technical Requirements
Construction Obligations
Completion Tests
Cost Overrun
Operating Requirements
Hedging Obligations
Account Management
Distribution Conditions
Facility Terms
Purpose
Drawdown
Interest
Repayment
Prepayment
Cancellation
Security
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Project Undertakings
Environmental Compliance
Insurance
Events of Default
Changes to Parties
Payment Mechanics
Set-off
Costs and Expenses
Indemnities
Representations
Notices
Calculations
Confidentiality
Counterparts
Assignment and Transfer
Amendments
Governing Law
Dispute Resolution
Force Majeure
Project Monitoring
Technical Requirements
Construction Obligations
Completion Tests
Cost Overrun
Operating Requirements
Hedging Obligations
Account Management
Distribution Conditions
Relevant Industries
Infrastructure
Energy
Real Estate Development
Mining
Renewable Energy
Transportation
Healthcare
Telecommunications
Industrial Development
Agriculture
Water and Waste Management
Education
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Project Management
Credit
Operations
Commercial
Corporate Banking
Investment
Documentation
Relevant Roles
Chief Financial Officer
Finance Director
Project Finance Manager
Legal Counsel
Project Manager
Commercial Director
Treasury Manager
Risk Manager
Compliance Officer
Investment Manager
Corporate Banker
Project Finance Lawyer
Credit Risk Officer
Portfolio Manager
Documentation Specialist
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