Revenue Loan Agreement for New Zealand

Revenue Loan Agreement Template for New Zealand

A Revenue Loan Agreement under New Zealand law is a specialized financing document that establishes a loan facility where repayment is directly tied to the borrower's revenue performance. This agreement structure, governed by New Zealand commercial and financial services law, provides for flexible repayment terms based on a percentage of the borrower's periodic revenue. The document includes detailed provisions for revenue calculation, reporting requirements, payment mechanics, and borrower obligations, all compliant with New Zealand's financial regulations and contract law principles.

Your data doesn't train Genie's AI

You keep IP ownership of your information

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Download a Standard Template

4.6 / 5
4.8 / 5
Access for free
OR

Alternatively: Run an advanced review of an existing
Revenue Loan Agreement

Let Genie AI's market-leading legal AI identify missing terms, unusual language, compliance issues and more - in just seconds.
Upload your Doc

What is a Revenue Loan Agreement?

This Revenue Loan Agreement template is designed for use in New Zealand financing transactions where traditional debt or equity financing structures may not be optimal. The document is particularly suited for growing businesses with predictable revenue streams seeking flexible financing options. It establishes a loan facility where repayment is structured as a percentage of the borrower's revenue, typically ranging from 2% to 8% of monthly revenue, continuing until a predetermined return cap is reached. The agreement incorporates all necessary elements required under New Zealand law, including compliance with the Contract and Commercial Law Act 2017, Companies Act 1993, and relevant financial services regulations. This financing structure offers advantages over traditional fixed-payment loans by aligning repayment obligations with the borrower's actual business performance.

What sections should be included in a Revenue Loan Agreement?

1. Parties: Identifies and defines the parties to the agreement (Lender and Borrower)

2. Background: Sets out the context and purpose of the revenue loan agreement

3. Definitions and Interpretation: Defines key terms including 'Revenue', 'Payment Period', 'Revenue Share Percentage' and other critical terms

4. Loan Amount and Drawdown: Specifies the loan amount, drawdown conditions and mechanics

5. Revenue Share Payments: Details how revenue-based payments are calculated, minimum/maximum payment provisions, and payment frequency

6. Calculation of Revenue: Defines what constitutes revenue for payment calculations, including inclusions and exclusions

7. Payment Terms: Specifies payment mechanics, dates, method of payment, and payment allocation

8. Information Rights and Reporting: Details the financial information and reports the borrower must provide, including revenue reporting requirements

9. Representations and Warranties: Standard and revenue-specific representations and warranties from the borrower

10. Covenants: Ongoing obligations of the borrower, including business conduct and revenue recognition principles

11. Events of Default: Circumstances constituting default and consequences

12. General Provisions: Standard boilerplate clauses including notices, amendments, governing law, etc.

What sections are optional to include in a Revenue Loan Agreement?

1. Security: Include when the loan is secured against specific assets or receivables

2. Guarantees: Include when personal or corporate guarantees are required

3. Prepayment Rights: Include when early repayment options are available, including any buyout calculations

4. Interest: Include when additional interest applies beyond revenue share payments

5. Multiple Drawdowns: Include when the loan can be drawn down in multiple tranches

6. Revenue Exclusions: Include when certain revenue streams are to be excluded from calculations

7. Change of Control: Include when restrictions on ownership changes are required

8. Subordination: Include when the revenue loan needs to be subordinated to other debt

What schedules should be included in a Revenue Loan Agreement?

1. Schedule 1 - Revenue Calculation Methodology: Detailed methodology for calculating revenue and revenue share payments

2. Schedule 2 - Form of Revenue Report: Template for regular revenue reporting

3. Schedule 3 - Drawdown Notice: Form of drawdown notice and drawdown conditions

4. Schedule 4 - Excluded Revenue: Detailed list of revenue streams excluded from calculations

5. Schedule 5 - Financial Covenants: Specific financial covenants and calculation methods

6. Schedule 6 - Security Details: Details of any security arrangements (if applicable)

7. Schedule 7 - Conditions Precedent: List of conditions to be satisfied before drawdown

8. Appendix A - Sample Calculations: Examples of revenue share payment calculations

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Jurisdiction

New Zealand

Publisher

Genie AI

Document Type

Loan Agreement

Sector

Banking

Cost

Free to use
Relevant legal definitions
Clauses
Relevant Industries

Technology and Software

E-commerce

Subscription-based Services

Digital Media

Professional Services

Healthcare Technology

Financial Technology

Manufacturing

Retail

Hospitality

Education Technology

Consulting Services

Relevant Teams

Legal

Finance

Treasury

Compliance

Risk Management

Corporate Development

Business Development

Executive Leadership

Commercial Operations

Investment

Relevant Roles

Chief Financial Officer

Finance Director

Legal Counsel

Commercial Director

Treasury Manager

Financial Controller

Business Development Manager

Risk Manager

Compliance Officer

Investment Manager

Corporate Lawyer

Managing Director

CEO

Company Secretary

Head of Finance

Revenue Manager

Industries
Contract and Commercial Law Act 2017: This is the primary legislation governing contract formation, enforcement, and remedies in New Zealand. It's essential for ensuring the revenue loan agreement meets basic contractual requirements and enforceability standards.
Companies Act 1993: Relevant for understanding the legal capacity of companies to enter into loan agreements and the requirements for corporate borrowing and security arrangements.
Personal Property Securities Act 1999: Important for registration of security interests if the revenue loan agreement includes any form of security over personal property or receivables.
Credit Contracts and Consumer Finance Act 2003: While primarily focused on consumer lending, this Act may be relevant if the revenue loan agreement involves small businesses or could be classified as a credit contract under NZ law.
Fair Trading Act 1986: Ensures fair trading practices and prohibits misleading or deceptive conduct in business dealings, including financial arrangements.
Financial Markets Conduct Act 2013: Relevant if the revenue loan agreement could be classified as a financial product or if it involves any form of regulated financial service.
Tax Administration Act 1994: Important for understanding tax implications and reporting requirements related to revenue-based lending arrangements.
Anti-Money Laundering and Countering Financing of Terrorism Act 2009: Relevant for compliance with AML/CFT obligations, particularly if the lender is a financial institution or the loan amount is significant.
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

Find the exact document you need

Personal Loan Letter Between Friends

A New Zealand-compliant document that formalizes a personal loan agreement between friends, including loan terms, repayment conditions, and legal safeguards.

Download

Written Loan Agreement

A New Zealand-compliant agreement setting out the terms and conditions of a loan, including amount, interest, repayment terms, and parties' obligations.

Download

Small Loan Contract

A New Zealand-compliant small loan agreement template that sets out terms, conditions, and obligations for both lender and borrower under NZ law.

Download

Pro Forma Loan Agreement

New Zealand-compliant loan agreement template setting out terms for lending arrangements, suitable for both commercial and consumer lending scenarios.

Download

Revolving Credit Contract

A New Zealand law-governed agreement establishing a revolving credit facility between a lender and borrower, compliant with CCCFA requirements.

Download

Loan Car Form

A New Zealand-compliant legal form for temporary vehicle loans, establishing terms and conditions between vehicle providers and borrowers.

Download

Loan Agreement With Interest

A New Zealand-governed agreement establishing terms for a loan with interest, including repayment conditions and statutory requirements.

Download

Money Loan Agreement

A New Zealand-compliant agreement establishing terms and conditions for a monetary loan between a lender and borrower, including repayment terms and obligations.

Download

Family Member Promissory Note

A New Zealand-compliant promissory note documenting loan terms between family members, including principal amount, interest, and repayment conditions.

Download

Debt Consolidation Agreement

A New Zealand-compliant agreement for consolidating multiple debts into a single loan, including terms, conditions, and statutory disclosures.

Download

Vendor Finance Loan Agreement

A New Zealand-compliant agreement enabling vendor-provided financing for purchase of goods or services, including loan terms and security arrangements.

Download

Fixed Sum Loan Agreement Early Settlement

New Zealand-governed fixed-sum loan agreement with early settlement provisions, compliant with CCCFA requirements.

Download

Acknowledgement Of Debt Agreement

A New Zealand-compliant legal document where a debtor formally acknowledges their debt obligation and agrees to specific repayment terms.

Download

Mortgage Spreader Agreement

A New Zealand legal document that extends an existing mortgage security to cover additional properties, compliant with NZ property law requirements.

Download

Debt Payment Agreement

A New Zealand-compliant agreement that formalizes debt repayment terms between a creditor and debtor, including payment schedule, interest rates, and default provisions.

Download

Loan Repayment Contract

A New Zealand-compliant agreement setting out terms and conditions for loan repayment between lender and borrower, including payment schedules and obligations.

Download

Discounted Payoff Agreement

A New Zealand law-governed agreement that documents the settlement of an outstanding debt for a reduced amount, specifying payment terms and discharge conditions.

Download

Overagreement

A New Zealand law-governed master agreement that establishes overarching terms for multiple underlying agreements between parties.

Download

Litigation Financing Agreement

A New Zealand-governed agreement establishing terms for third-party funding of legal proceedings, including funding commitments, returns, and risk allocation.

Download

Promise Note

A legally binding financial document under New Zealand law containing an unconditional promise to pay a specified sum of money to a designated party.

Download

Peer To Peer Lending Contract

A New Zealand-compliant agreement establishing terms and conditions for peer-to-peer lending arrangements between lenders, borrowers, and P2P platforms.

Download

Debt Agreement Contract

A New Zealand-compliant agreement establishing terms and conditions for lending arrangements between parties, including loan details, repayment terms, and legal obligations.

Download

Loan Repayment Letter

A New Zealand-compliant formal letter outlining loan repayment terms and schedule between a lender and borrower.

Download

Letter To Borrow Money From Friend

A formal letter document under New Zealand law that outlines the terms and conditions of borrowing money from a friend, including loan amount, repayment terms, and mutual obligations.

Download

Contract For Land Purchase

A New Zealand-compliant legal agreement for the sale and purchase of land, detailing property transfer terms and conditions between vendor and purchaser.

Download

General Loan Agreement

A New Zealand-compliant loan agreement template establishing terms for lending arrangements, suitable for both commercial and personal lending purposes.

Download

Loan Novation Agreement

A New Zealand law-governed agreement that transfers loan obligations from an original borrower to a new borrower while maintaining the original lender's rights.

Download

Student Loan Agreement

A New Zealand-governed agreement establishing terms and conditions for government-provided student loans, including loan amounts, repayment terms, and borrower obligations.

Download

Simple Loan Application Form

A New Zealand-compliant loan application form for gathering applicant information and assessing creditworthiness under local lending regulations.

Download

Payday Loan Contract

New Zealand-compliant payday loan agreement template incorporating CCCFA requirements and consumer protections for short-term lending.

Download

Loan Guarantee

A New Zealand-governed agreement where a guarantor assumes responsibility for another party's loan obligations to a lender.

Download

Investment Loan Contract

New Zealand-governed agreement establishing terms for investment-purposed lending, including loan terms, security arrangements, and regulatory compliance requirements.

Download

Debt Repayment Contract

A New Zealand-compliant agreement establishing terms and schedule for debt repayment between creditor and debtor.

Download

Employee Laptop Loan Agreement

A New Zealand-compliant agreement governing the loan of company laptop equipment to employees, including usage terms and return conditions.

Download

Borrowing Form

A New Zealand-compliant borrowing form that establishes loan terms and conditions between lender and borrower, incorporating CCCFA requirements.

Download

Device Loan Agreement

A New Zealand-compliant agreement governing the temporary loan of devices from an organization to individuals, establishing usage terms and responsibilities.

Download

Simple Equipment Borrowing Agreement

A New Zealand-compliant agreement for temporary equipment lending, establishing terms for equipment use, maintenance, and return conditions.

Download

Loan Out Agreement

A New Zealand-governed agreement for the provision of individual services through a loan-out company structure to an engaging business.

Download

No Loan Agreement

A New Zealand-governed agreement that formally documents the non-existence of a loan between parties or confirms that a previous loan has been fully satisfied.

Download

Memorandum Of Loan Agreement

A New Zealand-compliant agreement that establishes the terms and conditions of a loan between parties, including principal amount, interest, repayment terms, and obligations.

Download
See more related templates

Genie’s Security Promise

Genie is the safest place to draft. Here’s how we prioritise your privacy and security.

Your documents are private:

We do not train on your data; Genie’s AI improves independently

All data stored on Genie is private to your organisation

Your documents are protected:

Your documents are protected by ultra-secure 256-bit encryption

We are ISO27001 certified, so your data is secure

Organizational security:

You retain IP ownership of your documents and their information

You have full control over your data and who gets to see it

2 Docs LeftAccess Now