The Loan Facilitation Agreement is essential for businesses operating in South Africa's lending sector where an intermediary facilitates loan arrangements between lenders and borrowers. This document is particularly relevant in the context of South Africa's highly regulated credit market, where compliance with the National Credit Act and other financial regulations is crucial. The agreement typically covers key aspects such as service scope, regulatory compliance requirements, commission structures, and operational procedures. It's commonly used when establishing new lending partnerships, launching digital lending platforms, or formalizing existing loan facilitation arrangements. The document must incorporate specific South African regulatory requirements while maintaining commercial flexibility for the parties involved.

1. Parties: Identification of the Loan Facilitator, Lender(s), and any other relevant parties to the agreement

2. Background: Context of the agreement, including the facilitator's role and general purpose of the arrangement

3. Definitions and Interpretation: Definitions of key terms and interpretation rules for the agreement

4. Appointment and Scope: Formal appointment of the facilitator and detailed scope of facilitation services

5. Facilitator's Obligations: Detailed responsibilities of the facilitator including loan origination, documentation, and compliance duties

6. Lender's Obligations: Responsibilities and commitments of the lender(s) in the facilitation arrangement

7. Compliance Requirements: Obligations regarding National Credit Act, FICA, and other regulatory requirements

8. Fees and Commission: Fee structure, payment terms, and commission arrangements

9. Representations and Warranties: Standard and specific warranties from all parties

10. Duration and Termination: Term of the agreement and termination provisions

11. Confidentiality: Confidentiality obligations and data protection requirements

12. Dispute Resolution: Process for handling disputes between parties

13. General Provisions: Standard boilerplate clauses including notices, amendments, and governing law