The Line of Credit Contract is essential for businesses and individuals seeking flexible financing in Singapore. This document establishes a revolving credit facility where borrowers can draw funds up to a predetermined limit, repay, and redraw as needed. The contract must comply with Singapore's strict regulatory framework, including MAS guidelines and the Banking Act. It typically includes detailed terms on interest calculation, security requirements, events of default, and borrower obligations. This agreement is particularly valuable for managing working capital, seasonal cash flows, or ongoing operational expenses.
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1. Parties: Identification of lender and borrower with full legal details
2. Background: Context of the credit facility and relationship between parties
3. Definitions: Key terms used throughout the agreement including facility amount, interest rate, and other critical definitions
4. Facility Terms: Credit limit, interest rate, purpose, availability period and key commercial terms
5. Conditions Precedent: Conditions that must be met before facility becomes available including required documentation
6. Representations and Warranties: Statements of fact by borrower about their status, capacity, and compliance with laws
7. Covenants: Ongoing obligations of the borrower including financial covenants and reporting requirements
8. Events of Default: Circumstances that trigger default and consequences of default
9. Payment Terms: Payment mechanics, schedules, and prepayment provisions
1. Security Provisions: Details of any collateral or security arrangements, included when facility is secured
2. Guarantor Provisions: Terms relating to guarantors and their obligations, included when guarantee is required
3. Insurance Requirements: Mandatory insurance terms and conditions, included for higher-value facilities
4. Special Drawing Conditions: Special conditions for drawdown and utilization, included for complex facilities
1. Fee Schedule: Detailed breakdown of all applicable fees, charges, and interest calculations
2. Drawing Notice Form: Standard form template for requesting drawdowns under the facility
3. Security Documents: Forms and documents related to any security arrangements and perfection requirements
4. Conditions Precedent Documents: Comprehensive list of required documents and conditions to be satisfied
5. Financial Covenants Schedule: Detailed financial ratios, requirements and calculation methodologies
Relevant legal definitions
Availability Period
Base Rate
Business Day
Commitment
Credit Limit
Default Interest Rate
Default Rate
Drawing
Drawing Notice
Event of Default
Facility
Final Maturity Date
Finance Documents
Financial Indebtedness
Interest Payment Date
Interest Period
Interest Rate
LIBOR
Margin
Material Adverse Effect
Outstanding Amount
Permitted Purpose
Potential Event of Default
Prepayment
Reference Banks
Repayment Date
Security
Security Documents
SIBOR
SOR
Subsidiary
Tax
Transaction Documents
Unpaid Sum
Base Rate
Business Day
Commitment
Credit Limit
Default Interest Rate
Default Rate
Drawing
Drawing Notice
Event of Default
Facility
Final Maturity Date
Finance Documents
Financial Indebtedness
Interest Payment Date
Interest Period
Interest Rate
LIBOR
Margin
Material Adverse Effect
Outstanding Amount
Permitted Purpose
Potential Event of Default
Prepayment
Reference Banks
Repayment Date
Security
Security Documents
SIBOR
SOR
Subsidiary
Tax
Transaction Documents
Unpaid Sum
Clauses
Facility Terms
Interest and Fees
Repayment
Drawdown Mechanics
Conditions Precedent
Representations and Warranties
Covenants
Information Undertakings
Financial Covenants
Security
Guarantee
Events of Default
Acceleration
Set-off
Assignment and Transfer
Confidentiality
Notices
Amendments and Waivers
Indemnities
Costs and Expenses
Payment Mechanics
Currency Provisions
Tax Gross-up
Increased Costs
Market Disruption
Anti-Money Laundering
Data Protection
Governing Law
Dispute Resolution
Force Majeure
Severability
Third Party Rights
Counterparts
Interest and Fees
Repayment
Drawdown Mechanics
Conditions Precedent
Representations and Warranties
Covenants
Information Undertakings
Financial Covenants
Security
Guarantee
Events of Default
Acceleration
Set-off
Assignment and Transfer
Confidentiality
Notices
Amendments and Waivers
Indemnities
Costs and Expenses
Payment Mechanics
Currency Provisions
Tax Gross-up
Increased Costs
Market Disruption
Anti-Money Laundering
Data Protection
Governing Law
Dispute Resolution
Force Majeure
Severability
Third Party Rights
Counterparts
Relevant Industries
Relevant Teams
Relevant Roles
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