The Commercial Loan Term Sheet is a critical document used in Singapore's commercial lending landscape to establish the preliminary framework for a loan facility. It serves as a precursor to the full loan agreement and is typically issued after initial credit approval but before detailed documentation. The term sheet captures essential commercial and legal terms, including facility limits, pricing, security structure, and key conditions precedent. While non-binding except for specific provisions like confidentiality, it forms the basis for preparing definitive documentation and must align with Singapore's banking regulations and MAS guidelines.
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1. Facility Summary: Key terms including loan amount, interest rate, tenor, and purpose
2. Borrower Details: Legal name, registration number, and address of borrowing entity
3. Lender Details: Legal name and details of lending institution
4. Financial Terms: Detailed breakdown of interest, fees, and payment terms
5. Conditions Precedent: Requirements to be met before loan disbursement
6. Security Structure: Overview of collateral and guarantees
1. Financial Covenants: Financial ratios and requirements, used for larger commercial loans
2. Special Conditions: Industry-specific or borrower-specific requirements
3. Conversion Rights: For convertible loans only
4. Syndication Terms: For syndicated facilities only
1. Repayment Schedule: Detailed breakdown of repayment dates and amounts
2. Security Details: Detailed description of collateral and security arrangements
3. Fee Schedule: Breakdown of all applicable fees
4. Required Documents List: Checklist of documents required for conditions precedent
Relevant legal definitions
Availability Period
Banking Day
Base Rate
Borrower
Conditions Precedent
Default
Event of Default
Facility
Facility Amount
Final Maturity Date
Financial Indebtedness
Financial Statements
Group
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Margin
Material Adverse Effect
Obligors
Permitted Security
Prepayment Fee
Repayment Date
Security
Security Documents
Security Providers
SIBOR
SORA
Subsidiary
Tax
Term
Transaction Documents
Utilization
Utilization Date
Utilization Request
Banking Day
Base Rate
Borrower
Conditions Precedent
Default
Event of Default
Facility
Facility Amount
Final Maturity Date
Financial Indebtedness
Financial Statements
Group
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Margin
Material Adverse Effect
Obligors
Permitted Security
Prepayment Fee
Repayment Date
Security
Security Documents
Security Providers
SIBOR
SORA
Subsidiary
Tax
Term
Transaction Documents
Utilization
Utilization Date
Utilization Request
Clauses
Facility Terms
Purpose
Availability
Interest and Fees
Repayment
Prepayment
Security
Conditions Precedent
Representations and Warranties
Financial Covenants
General Undertakings
Information Undertakings
Events of Default
Market Disruption
Assignment and Transfer
Costs and Expenses
Confidentiality
Notices
Set-off
Governing Law
Enforcement
Termination
Amendment and Waiver
Force Majeure
Severability
Entire Agreement
Indemnification
Tax Provisions
Security Registration
Syndication Rights
Purpose
Availability
Interest and Fees
Repayment
Prepayment
Security
Conditions Precedent
Representations and Warranties
Financial Covenants
General Undertakings
Information Undertakings
Events of Default
Market Disruption
Assignment and Transfer
Costs and Expenses
Confidentiality
Notices
Set-off
Governing Law
Enforcement
Termination
Amendment and Waiver
Force Majeure
Severability
Entire Agreement
Indemnification
Tax Provisions
Security Registration
Syndication Rights
Relevant Industries
Relevant Teams
Relevant Roles
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