The Shareholder Loan Agreement is a crucial document used when a company seeks financing from its existing shareholders as an alternative to external funding sources. This agreement, governed by Pakistani law, is particularly relevant for companies looking to raise capital while maintaining their existing ownership structure. It must comply with the Companies Act 2017, relevant financial regulations, and where applicable, Islamic finance principles. The document typically includes detailed provisions on loan terms, interest calculations, security arrangements, regulatory compliance requirements, and corporate governance matters. Such agreements are common in both private and public companies in Pakistan, especially during growth phases, working capital needs, or when conventional banking finance is less favorable. The agreement must address specific Pakistani legal requirements regarding related party transactions, corporate approvals, and statutory filings.
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1. Parties: Identification of the lending shareholder(s) and the borrowing company, including registration details as required by Pakistani law
2. Background: Context of the loan, relationship between parties, and purpose of the agreement
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount, currency, and intended use of funds
5. Interest Rate and Calculations: Details of interest rate, calculation method, and payment frequency
6. Drawdown: Conditions and process for accessing the loan funds
7. Repayment Terms: Schedule and method of repayment, including principal and interest
8. Security: Details of any security or collateral provided for the loan
9. Representations and Warranties: Standard declarations by both parties regarding their capacity and authority
10. Covenants: Ongoing obligations of the borrower during the loan term
11. Events of Default: Circumstances constituting default and consequences
12. Governing Law and Jurisdiction: Specification of Pakistani law as governing law and jurisdiction for disputes
13. Notices: Process and addresses for formal communications between parties
14. Miscellaneous: Standard boilerplate provisions including severability, entire agreement, and amendments
1. Islamic Finance Compliance: Required if the loan needs to comply with Islamic banking principles
2. Regulatory Compliance: Required for listed companies or when the loan amount exceeds certain thresholds under Pakistani law
3. Subordination: Include when the shareholder loan needs to be subordinated to other company debt
4. Conversion Rights: Include if the loan can be converted into equity
5. Board Approval: Required for listed companies or when mandated by the company's articles
6. Tax Provisions: Detailed tax arrangements when complex tax implications are involved
7. Currency Protection: Include for loans in foreign currency to address exchange rate risks
8. Assignment and Transfer: Include if transfer of loan rights is to be permitted
1. Repayment Schedule: Detailed schedule of repayment dates and amounts
2. Drawdown Notice: Form of notice for requesting loan disbursements
3. Conditions Precedent: List of documents and conditions required before loan effectiveness
4. Security Details: Detailed description of any security or collateral
5. Corporate Authorizations: Copies of relevant board resolutions and shareholder approvals
6. Calculation of Interest: Detailed methodology for interest calculations
7. Compliance Certificates: Form of periodic compliance certificates to be provided by borrower
8. Related Party Transaction Approval: Documentation of necessary approvals under Companies Act 2017
Relevant legal definitions
Advance
Agreement
Applicable Law
Availability Period
Board
Board Resolution
Borrower
Business Day
Companies Act
Company
Conditions Precedent
Default
Default Interest
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
Encumbrance
Event of Default
Financial Indebtedness
Financial Year
Governing Law
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Party/Parties
PKR
Potential Default
Prepayment
Principal Amount
Regulatory Approval
Repayment Date
Repayment Schedule
Security
Security Documents
Shareholder
Shareholder Approval
Special Resolution
Stamp Duty
Subsidiary
Tax
Transaction Documents
Working Day
Agreement
Applicable Law
Availability Period
Board
Board Resolution
Borrower
Business Day
Companies Act
Company
Conditions Precedent
Default
Default Interest
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
Encumbrance
Event of Default
Financial Indebtedness
Financial Year
Governing Law
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Party/Parties
PKR
Potential Default
Prepayment
Principal Amount
Regulatory Approval
Repayment Date
Repayment Schedule
Security
Security Documents
Shareholder
Shareholder Approval
Special Resolution
Stamp Duty
Subsidiary
Tax
Transaction Documents
Working Day
Clauses
Interpretation
Loan Facility
Purpose
Conditions Precedent
Drawdown
Interest
Repayment
Prepayment
Security
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Acceleration
Payment Mechanics
Set-off
Costs and Expenses
Indemnities
Representations
Notices
Calculations
Assignments and Transfers
Amendments and Waivers
Confidentiality
Counterparts
Severability
Governing Law
Dispute Resolution
Regulatory Compliance
Related Party Transactions
Corporate Authorization
Shareholder Approval
Islamic Finance Compliance
Tax Provisions
Currency and Payments
Force Majeure
Entire Agreement
Loan Facility
Purpose
Conditions Precedent
Drawdown
Interest
Repayment
Prepayment
Security
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Acceleration
Payment Mechanics
Set-off
Costs and Expenses
Indemnities
Representations
Notices
Calculations
Assignments and Transfers
Amendments and Waivers
Confidentiality
Counterparts
Severability
Governing Law
Dispute Resolution
Regulatory Compliance
Related Party Transactions
Corporate Authorization
Shareholder Approval
Islamic Finance Compliance
Tax Provisions
Currency and Payments
Force Majeure
Entire Agreement
Relevant Industries
Financial Services
Manufacturing
Technology
Real Estate
Construction
Retail
Healthcare
Energy
Telecommunications
Professional Services
Agriculture
Mining
Transportation
Hospitality
Relevant Teams
Legal
Finance
Corporate Secretarial
Treasury
Compliance
Risk Management
Corporate Governance
Board of Directors
Shareholder Relations
Investment
Relevant Roles
Chief Executive Officer
Chief Financial Officer
Finance Director
Corporate Lawyer
Legal Counsel
Company Secretary
Financial Controller
Treasury Manager
Corporate Finance Manager
Compliance Officer
Board Director
Shareholder Relations Manager
Investment Manager
Risk Manager
Corporate Governance Officer
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