The Sub Loan Agreement is a crucial document used in complex financing structures where funds from a primary loan facility need to be extended to additional borrowers. This agreement type is commonly used in South Africa for project finance, corporate group lending, and development finance arrangements. The document must comply with South African banking regulations, financial services legislation, and consumer protection laws where applicable. The Sub Loan Agreement typically includes detailed provisions on loan amounts, interest calculations, repayment terms, security arrangements, and the relationship with the primary loan facility. It's particularly important in scenarios where multilateral funding arrangements are required or where development finance institutions are involved in funding projects through local partners.
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1. Parties: Identifies and defines the Lender, Borrower, and any other relevant parties to the agreement
2. Background: Sets out the context of the agreement, including reference to the main loan agreement and the purpose of the sub-loan
3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes interpretation rules
4. The Loan: Details the principal amount, purpose, and basic terms of the sub-loan
5. Drawdown: Specifies the conditions and procedure for accessing the loan funds
6. Interest: Sets out the interest rate, calculation method, and payment terms
7. Repayment: Details the repayment schedule, methods, and obligations
8. Representations and Warranties: States the legal promises and factual assertions made by the borrower
9. Covenants: Lists the ongoing obligations of the borrower during the loan term
10. Events of Default: Defines circumstances that constitute default and their consequences
11. Notices: Specifies how formal communications between parties should be made
12. General Provisions: Contains standard legal provisions including governing law, jurisdiction, and assignment
13. Execution: Signature blocks and execution formalities
1. Security: Include when the sub-loan is secured by any assets or guarantees
2. Conditions Precedent: Include when there are specific conditions that must be met before the loan becomes effective
3. Subordination Provisions: Include when the sub-loan needs to be subordinated to other debt
4. Tax Provisions: Include when specific tax considerations need to be addressed
5. Currency Provisions: Include when the loan involves multiple currencies
6. Assignment and Transfer: Include when parties need specific rights to transfer their interests
7. Costs and Expenses: Include when there are specific provisions about who bears various costs
8. Information Covenants: Include when specific reporting requirements are needed
1. Loan Terms Schedule: Details of loan amount, interest rate, repayment dates, and other key financial terms
2. Drawdown Notice: Form of notice to be used when requesting disbursement of funds
3. Repayment Schedule: Detailed amortization schedule showing payment dates and amounts
4. Security Details: Description of any security or collateral provided
5. Conditions Precedent Documents: List of documents required before loan effectiveness
6. Compliance Certificate: Form of certificate for periodic compliance confirmation
7. Required Insurance: Details of insurance requirements if applicable
8. Form of Transfer Certificate: Standard form for transferring rights under the agreement
Relevant legal definitions
Acceleration Event
Advance
Applicable Law
Availability Period
Break Costs
Business Day
Calculation Period
Conditions Precedent
Default
Default Interest
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
Effective Date
Event of Default
Facility
Final Repayment Date
Finance Documents
Financial Indebtedness
Financial Year
Interest Payment Date
Interest Period
Interest Rate
Legal Reservations
Loan
Material Adverse Effect
Original Facility Agreement
Outstanding Amount
Permitted Security
Primary Lender
Principal Borrower
Principal Loan Agreement
Rand
Relevant Jurisdiction
Repayment Date
Repayment Schedule
Security
Security Documents
Security Provider
Sub-Borrower
Sub-Lender
Sub-Loan
Sub-Loan Amount
Subordination Agreement
Tax
Transaction Documents
Unpaid Sum
ZAR
Advance
Applicable Law
Availability Period
Break Costs
Business Day
Calculation Period
Conditions Precedent
Default
Default Interest
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
Effective Date
Event of Default
Facility
Final Repayment Date
Finance Documents
Financial Indebtedness
Financial Year
Interest Payment Date
Interest Period
Interest Rate
Legal Reservations
Loan
Material Adverse Effect
Original Facility Agreement
Outstanding Amount
Permitted Security
Primary Lender
Principal Borrower
Principal Loan Agreement
Rand
Relevant Jurisdiction
Repayment Date
Repayment Schedule
Security
Security Documents
Security Provider
Sub-Borrower
Sub-Lender
Sub-Loan
Sub-Loan Amount
Subordination Agreement
Tax
Transaction Documents
Unpaid Sum
ZAR
Clauses
Interpretation
Facility
Purpose
Conditions Precedent
Drawdown
Interest
Interest Periods
Market Disruption
Repayment
Prepayment
Cancellation
Tax Gross-Up
Increased Costs
Representations
Information Undertakings
General Undertakings
Financial Covenants
Events of Default
Changes to Parties
Payment Mechanics
Set-Off
Notices
Calculations
Amendments and Waivers
Confidentiality
Subordination
Security
Costs and Expenses
Indemnities
Currency
Severability
Counterparts
Governing Law
Enforcement
Jurisdiction
Service of Process
Facility
Purpose
Conditions Precedent
Drawdown
Interest
Interest Periods
Market Disruption
Repayment
Prepayment
Cancellation
Tax Gross-Up
Increased Costs
Representations
Information Undertakings
General Undertakings
Financial Covenants
Events of Default
Changes to Parties
Payment Mechanics
Set-Off
Notices
Calculations
Amendments and Waivers
Confidentiality
Subordination
Security
Costs and Expenses
Indemnities
Currency
Severability
Counterparts
Governing Law
Enforcement
Jurisdiction
Service of Process
Relevant Industries
Banking & Financial Services
Real Estate & Property
Infrastructure & Construction
Mining & Resources
Manufacturing & Industrial
Agriculture & Agribusiness
Retail & Commercial
Energy & Utilities
Technology & Telecommunications
Healthcare & Pharmaceuticals
Relevant Teams
Legal
Finance
Treasury
Credit Risk
Compliance
Corporate Banking
Project Finance
Investment
Risk Management
Corporate Secretariat
Relevant Roles
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Finance Manager
Treasury Manager
Credit Manager
Risk Manager
Compliance Officer
Project Finance Manager
Investment Manager
Loan Officer
Corporate Banking Manager
Financial Controller
Company Secretary
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