The Cross Collateral Agreement serves as a critical tool in secured lending transactions where multiple loans or assets are involved. This document becomes necessary when a lender wishes to maximize security coverage across various loans or when a borrower seeks to leverage existing collateral for additional financing. Under U.S. law, particularly the UCC, the agreement must carefully detail the security arrangements, perfect the security interests, and comply with both federal and state requirements. The document typically includes specific provisions about the nature of the cross-collateralization, detailed descriptions of all collateral and obligations, and the parties' respective rights and responsibilities.
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1. Parties: Identification of lender and borrower(s)
2. Background: Context of existing loans and security arrangements
3. Definitions: Key terms including Collateral, Obligations, Security Interest
4. Grant of Security Interest: Express creation of cross-collateral arrangement
5. Description of Collateral: Detailed description of all assets serving as collateral
6. Cross-Collateralization Terms: Specific terms of how collateral secures multiple obligations
7. Rights and Remedies: Lender's rights upon default
1. Insurance Requirements: Requirements for insuring collateral when specific assets require insurance protection
2. Third Party Consents: Provisions regarding required third-party approvals when collateral involves third-party rights
3. Priority Arrangements: Terms regarding priority among different security interests when multiple secured creditors are involved
1. Schedule of Existing Loans: List of all loans covered by the cross-collateral arrangement
2. Schedule of Collateral: Detailed inventory of all assets serving as collateral
3. UCC Filing Information: Details required for UCC filings
4. Property Descriptions: Legal descriptions of any real property included as collateral
Relevant legal definitions
Clauses
Grant of Security Interest
Cross-Collateralization
Representations and Warranties
Covenants
Default and Remedies
Perfection and Priority
Maintenance of Collateral
Insurance
Inspection Rights
Release of Collateral
Further Assurance
Indemnification
Notices
Assignment
Amendments
Governing Law
Jurisdiction
Severability
Entire Agreement
Counterparts
Cross-Collateralization
Representations and Warranties
Covenants
Default and Remedies
Perfection and Priority
Maintenance of Collateral
Insurance
Inspection Rights
Release of Collateral
Further Assurance
Indemnification
Notices
Assignment
Amendments
Governing Law
Jurisdiction
Severability
Entire Agreement
Counterparts
Relevant Industries
Relevant Teams
Relevant Roles
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