The Revolving Line Of Credit Loan Agreement is a fundamental financing instrument in Singapore's commercial lending landscape. It provides businesses and individuals with flexible access to funds, allowing them to draw down, repay, and re-borrow within a prescribed limit. This agreement is particularly suited for managing working capital, seasonal cash flow variations, or ongoing operational needs. The document must comply with Singapore's Banking Act, MAS regulations, and relevant financial services legislation, incorporating specific local requirements for security, interest rate calculations, and disclosure obligations.
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1. Parties: Identification of lender and borrower with full legal names and addresses
2. Background: Context of the facility and relationship between parties
3. Definitions: Key terms used throughout the agreement
4. Facility Details: Credit limit, purpose, availability period, and interest rate
5. Drawdown Provisions: Procedures and conditions for drawing down the facility
6. Repayment Terms: Payment obligations, schedule, and methods
7. Interest and Fees: Interest calculation, payment dates, and applicable fees
8. Security: Required security or guarantees
9. Events of Default: Circumstances constituting default and consequences
10. Representations and Warranties: Statements of fact and assurances by borrower
1. Financial Covenants: Financial requirements and ratios - typically used for corporate borrowers or larger facilities
2. Increased Costs: Provisions for regulatory changes affecting lender's costs - recommended for longer-term facilities
3. Tax Gross-Up: Provisions for tax deductions and payments - used when tax implications are significant
1. Form of Drawdown Notice: Standard form for requesting drawdowns
2. Conditions Precedent: List of documents and conditions required before first drawdown
3. Calculation of Interest: Detailed methodology for interest calculation
4. Security Documents: Forms of security documents if applicable
5. Fee Schedule: Detailed breakdown of all applicable fees
Relevant legal definitions
Availability Period
Business Day
Commitment
Credit Limit
Default Interest Rate
Drawdown
Drawdown Date
Drawdown Notice
Event of Default
Facility
Final Maturity Date
Financial Indebtedness
Interest Payment Date
Interest Period
Interest Rate
LIBOR
SHIBOR
SIBOR
Margin
Material Adverse Effect
Outstanding Amount
Permitted Purpose
Potential Event of Default
Repayment Date
Security
Security Documents
Singapore Dollars
SGD
Taxes
Transaction Documents
Utilisation
Utilisation Request
Finance Documents
Financial Statements
Group
Subsidiary
Material Subsidiary
Repeating Representations
Security Interest
Termination Date
Business Day
Commitment
Credit Limit
Default Interest Rate
Drawdown
Drawdown Date
Drawdown Notice
Event of Default
Facility
Final Maturity Date
Financial Indebtedness
Interest Payment Date
Interest Period
Interest Rate
LIBOR
SHIBOR
SIBOR
Margin
Material Adverse Effect
Outstanding Amount
Permitted Purpose
Potential Event of Default
Repayment Date
Security
Security Documents
Singapore Dollars
SGD
Taxes
Transaction Documents
Utilisation
Utilisation Request
Finance Documents
Financial Statements
Group
Subsidiary
Material Subsidiary
Repeating Representations
Security Interest
Termination Date
Clauses
Facility Terms
Purpose
Conditions Precedent
Drawdown Mechanics
Interest
Repayment
Prepayment
Cancellation
Security
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Changes to Parties
Payment Mechanics
Set-off
Notices
Calculations and Certificates
Amendments and Waivers
Confidentiality
Counterparts
Severability
Governing Law
Dispute Resolution
Indemnities
Costs and Expenses
Tax Gross-up and Indemnities
Increased Costs
Currency
Force Majeure
Assignment and Transfer
Entire Agreement
Purpose
Conditions Precedent
Drawdown Mechanics
Interest
Repayment
Prepayment
Cancellation
Security
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Changes to Parties
Payment Mechanics
Set-off
Notices
Calculations and Certificates
Amendments and Waivers
Confidentiality
Counterparts
Severability
Governing Law
Dispute Resolution
Indemnities
Costs and Expenses
Tax Gross-up and Indemnities
Increased Costs
Currency
Force Majeure
Assignment and Transfer
Entire Agreement
Relevant Industries
Relevant Teams
Relevant Roles
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