Master Credit Agreement Template for Singapore

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Key Requirements PROMPT example:

Master Credit Agreement

"Need a Master Credit Agreement for a Singapore-based manufacturing company to secure multiple working capital facilities from our bank, with a total facility limit of SGD 50 million and the ability to draw down in both SGD and USD starting March 2025."

What is a Master Credit Agreement?

The Master Credit Agreement is a fouNDAtional document used when parties anticipate an ongoing credit relationship involving multiple facilities or drawdowns over time. It streamlines the lending process by establishing standard terms that apply to all subsequent credit extensions, reducing negotiation time and documentation requirements for each new facility. Under Singapore law, this agreement must comply with MAS guidelines and banking regulations, making it particularly suitable for financial institutions and corporate borrowers operating in Singapore's financial hub. The Master Credit Agreement typically includes facility terms, security arrangements, representations and warranties, and enforcement mechanisms.

What sections should be included in a Master Credit Agreement?

1. Parties: Identification and details of the lender and borrower

2. Background: Context and purpose of the credit agreement

3. Definitions: Key terms used tHRoughout the agreement

4. Facility Details: Amount, purpose, and type of credit facility

5. Interest and Fees: Interest calculation, rates, and applicable fees

6. Repayment Terms: Payment schedule, methods, and prepayment provisions

7. Representations and Warranties: Statements of fact and assurances by parties

8. Events of Default: Circumstances constituting default and consequences

9. Governing Law and Jurisdiction: Application of Singapore law and dispute resolution

What sections are optional to include in a Master Credit Agreement?

1. Security Arrangements: Details of collateral or guarantees - include when credit facility is secured

2. Insurance Requirements: MaNDAtory insurance coverage - include when specific insurance is required

3. Syndication Provisions: Terms for multiple lenders - include for syndicated facilities

4. Currency Provisions: Terms for multiple currency facilities - include for multi-currency facilities

What schedules should be included in a Master Credit Agreement?

1. Schedule 1 - Facility Terms: Detailed terms of each facility including limits, pricing

2. Schedule 2 - Conditions Precedent: Documents and conditions required before drawdown

3. Schedule 3 - Forms of Request: Standard forms for drawdown requests

4. Schedule 4 - Repayment Schedule: Detailed payment dates and amounts

5. Schedule 5 - Security Documents: List and copies of security documents (if applicable)

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

alex.den.21@genieai.co

Relevant legal definitions

Clauses

Relevant Industries

Banking and Financial Services
Corporate Finance
Real Estate
Manufacturing
Trading and Commerce

Relevant Teams

Treasury
Finance
Legal
Risk Management
Operations

Relevant Roles

Chief Financial Officer
Treasury Manager
Credit Risk Manager
Corporate Banker
Legal Counsel

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Let's create your Master Credit Agreement

What is a Master Credit Agreement?

What sections should be included in a Master Credit Agreement?

What sections are optional to include in a Master Credit Agreement?

What schedules should be included in a Master Credit Agreement?

Authors

Alex Denne

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