The Receivable Purchase Agreement is a critical instrument in trade finance and working capital management under Pakistani law. It enables businesses to monetize their accounts receivable by selling them to financial institutions or other purchasers, thereby improving liquidity and cash flow. This document type is particularly important in Pakistan's commercial landscape where businesses often face working capital constraints. The agreement must comply with local regulatory requirements, including the Contract Act 1872, Transfer of Property Act 1882, and relevant banking regulations. It typically details the mechanics of receivables transfer, purchase price calculations, representations about receivables quality, servicing arrangements, and default remedies. The document is essential for structured finance transactions, supply chain finance programs, and factoring arrangements in Pakistan.
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1. Parties: Identification of the Seller and Purchaser with full legal names and addresses
2. Background: Context of the transaction, nature of the receivables, and purpose of the agreement
3. Definitions: Defined terms used throughout the agreement, including financial terms, document references, and key concepts
4. Purchase and Sale: Core provisions regarding the sale of receivables, purchase price, and transfer mechanics
5. Conditions Precedent: Conditions that must be satisfied before purchases can occur
6. Representations and Warranties: Seller's representations regarding receivables, authority, and compliance with laws
7. Perfection and Notice Requirements: Requirements for perfecting the transfer under Pakistani law, including registration and notices
8. Payment Mechanics: Details of how payments will be made, including account details and currency
9. Taxes: Treatment of taxes, including stamp duty and withholding requirements
10. Events of Default: Circumstances constituting default and consequences
11. Termination: Termination events and process
12. Governing Law and Jurisdiction: Specification of Pakistani law and jurisdiction details
13. Miscellaneous: Standard boilerplate provisions including notices, amendments, and severability
1. Servicing Arrangements: Include when the seller continues to service the receivables post-sale
2. Credit Enhancement: Include when there are guarantees, overcollateralization, or other credit support features
3. Repurchase Obligations: Include when the seller may be required to repurchase certain receivables
4. Islamic Finance Compliance: Include when the transaction needs to comply with Islamic finance principles
5. Foreign Exchange Provisions: Include when receivables are in foreign currency
6. Data Protection: Include when personal data is involved in the receivables
7. Anti-Money Laundering: Include when required by the nature of the receivables or parties involved
1. Schedule 1 - Receivables List: Detailed list of receivables being purchased, including obligor details, amounts, and due dates
2. Schedule 2 - Eligibility Criteria: Criteria that receivables must meet to be eligible for purchase
3. Schedule 3 - Form of Transfer Notice: Template for notices to be sent to obligors regarding the transfer
4. Schedule 4 - Purchase Price Calculation: Formula and methodology for calculating the purchase price
5. Schedule 5 - Required Documents: List of documents required for each purchase
6. Schedule 6 - Form of Servicing Report: Template for periodic servicing reports if applicable
7. Appendix A - Contact Details: Contact information for key personnel and notices
8. Appendix B - Compliance Certificates: Forms of various compliance certificates required under the agreement
Relevant legal definitions
Acceptable Bank
Account Bank
Additional Purchase Date
Administration Fee
Advance Rate
Adverse Effect
Affiliate
Applicable Law
Assignment
Available Facility
Business Day
Calculation Date
Collection Account
Collection Period
Collections
Conditions Precedent
Cut-off Date
Default Interest
Defaulted Receivable
Deferred Purchase Price
Dilution
Discount Rate
Dispute
Eligible Receivable
Encumbrance
Event of Default
Face Value
Facility Limit
Final Maturity Date
Financial Indebtedness
Financial Statements
Force Majeure Event
Goods and Services
Governmental Authority
Indemnified Party
Initial Purchase Date
Insolvency Event
Invoice
Material Adverse Change
Notice of Assignment
Obligor
Offer
Outstanding Amount
Pakistani Rupee
Payment Date
Permitted Encumbrance
Purchase Date
Purchase Price
Purchased Receivable
Receivable
Receivables Schedule
Related Rights
Repurchase Event
Repurchase Price
Security Interest
Servicer
Servicing Fee
Settlement Date
Stamp Duty
Termination Event
Transaction Documents
Transfer Certificate
VAT
Warranty
Account Bank
Additional Purchase Date
Administration Fee
Advance Rate
Adverse Effect
Affiliate
Applicable Law
Assignment
Available Facility
Business Day
Calculation Date
Collection Account
Collection Period
Collections
Conditions Precedent
Cut-off Date
Default Interest
Defaulted Receivable
Deferred Purchase Price
Dilution
Discount Rate
Dispute
Eligible Receivable
Encumbrance
Event of Default
Face Value
Facility Limit
Final Maturity Date
Financial Indebtedness
Financial Statements
Force Majeure Event
Goods and Services
Governmental Authority
Indemnified Party
Initial Purchase Date
Insolvency Event
Invoice
Material Adverse Change
Notice of Assignment
Obligor
Offer
Outstanding Amount
Pakistani Rupee
Payment Date
Permitted Encumbrance
Purchase Date
Purchase Price
Purchased Receivable
Receivable
Receivables Schedule
Related Rights
Repurchase Event
Repurchase Price
Security Interest
Servicer
Servicing Fee
Settlement Date
Stamp Duty
Termination Event
Transaction Documents
Transfer Certificate
VAT
Warranty
Clauses
Sale and Purchase
Assignment
Purchase Price
Payment Terms
Conditions Precedent
Representations and Warranties
Covenants
Servicing
Collections
Security
Perfection Requirements
True Sale
Notice Requirements
Repurchase Obligations
Credit Enhancement
Events of Default
Termination
Indemnification
Set-off
Confidentiality
Data Protection
Anti-Money Laundering
Force Majeure
Assignment and Transfer
Amendments
Notices
Stamp Duty
Registration
Governing Law
Dispute Resolution
Severability
Entire Agreement
Counterparts
Further Assurance
Costs and Expenses
Assignment
Purchase Price
Payment Terms
Conditions Precedent
Representations and Warranties
Covenants
Servicing
Collections
Security
Perfection Requirements
True Sale
Notice Requirements
Repurchase Obligations
Credit Enhancement
Events of Default
Termination
Indemnification
Set-off
Confidentiality
Data Protection
Anti-Money Laundering
Force Majeure
Assignment and Transfer
Amendments
Notices
Stamp Duty
Registration
Governing Law
Dispute Resolution
Severability
Entire Agreement
Counterparts
Further Assurance
Costs and Expenses
Relevant Industries
Banking and Financial Services
Manufacturing
Trading and Distribution
Technology and Software
Healthcare
Construction and Infrastructure
Telecommunications
Energy and Utilities
Retail
Logistics and Transportation
Relevant Teams
Legal
Finance
Treasury
Credit and Collections
Risk Management
Operations
Compliance
Commercial
Business Development
Accounts Receivable
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Financial Controller
Credit Manager
Legal Counsel
Compliance Officer
Accounts Receivable Manager
Corporate Finance Manager
Risk Manager
Commercial Director
Business Development Manager
Operations Manager
Collection Manager
Transaction Manager
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