The Lending Contract Agreement serves as the primary document governing loan relationships in the United States. This agreement is essential whenever one party provides financial resources to another with the expectation of repayment under specific terms. The document must comply with both federal regulations (such as TILA and ECOA) and state-specific lending laws. The agreement typically includes detailed provisions on loan amount, interest calculations, payment schedules, default scenarios, and remedies. It's particularly important to note that lending agreements must adhere to state usury laws and federal consumer protection regulations, making jurisdiction-specific customization crucial.
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1. Parties: Identification and details of the lender and borrower
2. Background: Context of the loan and purpose of the agreement
3. Definitions: Key terms used throughout the agreement
4. Loan Amount and Purpose: Specific amount being lent and its intended use
5. Interest Rate and Payments: Interest rate, payment schedule, and calculation method
6. Term and Repayment: Duration of the loan and repayment terms
7. Events of Default: Circumstances constituting default and consequences
8. Representations and Warranties: Statements of fact by the borrower
1. Security: Details of any collateral securing the loan - used when loan is secured by assets
2. Guarantees: Terms of any third-party guarantees - used when loan includes guarantors
3. Insurance Requirements: Required insurance coverage for secured assets - used when loan is secured by physical assets
4. Prepayment Terms: Conditions for early repayment - used when early repayment is allowed
1. Repayment Schedule: Detailed payment amounts and due dates
2. Security Details: Detailed description of collateral (for secured loans)
3. Insurance Requirements: Specific insurance requirements and minimum coverage (for secured loans)
4. Fee Schedule: Breakdown of all applicable fees
5. Truth in Lending Disclosure: Federal required disclosures about loan terms
Relevant legal definitions
Agreement
Applicable Law
Borrower
Business Day
Closing Date
Collateral
Default
Default Rate
Event of Default
Effective Date
Facility
Governing Law
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Outstanding Principal
Payment Date
Prepayment
Permitted Purpose
Principal
Repayment Schedule
Security
Security Documents
Term
Transaction Documents
Representations and Warranties
Required Payments
Secured Obligations
Applicable Law
Borrower
Business Day
Closing Date
Collateral
Default
Default Rate
Event of Default
Effective Date
Facility
Governing Law
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Outstanding Principal
Payment Date
Prepayment
Permitted Purpose
Principal
Repayment Schedule
Security
Security Documents
Term
Transaction Documents
Representations and Warranties
Required Payments
Secured Obligations
Clauses
Loan Amount and Disbursement
Interest Rate
Repayment Terms
Security
Representations and Warranties
Covenants
Events of Default
Remedies
Prepayment
Late Payment
Conditions Precedent
Fees and Expenses
Indemnification
Acceleration
Assignment and Transfer
Notices
Amendments and Waivers
Severability
Governing Law
Jurisdiction
Force Majeure
Confidentiality
Entire Agreement
Counterparts
Further Assurance
Set-off Rights
Tax Provisions
Information Rights
Change of Control
Cross-Default
Interest Rate
Repayment Terms
Security
Representations and Warranties
Covenants
Events of Default
Remedies
Prepayment
Late Payment
Conditions Precedent
Fees and Expenses
Indemnification
Acceleration
Assignment and Transfer
Notices
Amendments and Waivers
Severability
Governing Law
Jurisdiction
Force Majeure
Confidentiality
Entire Agreement
Counterparts
Further Assurance
Set-off Rights
Tax Provisions
Information Rights
Change of Control
Cross-Default
Relevant Industries
Relevant Teams
Relevant Roles
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