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1. Parties: Identification of the lender, borrower and any guarantors
2. Background: Context of the facility and relationship between the parties
3. Definitions and Interpretation: Defined terms and interpretation rules used throughout the agreement
4. The Facility: Details of the working capital facility including amount, purpose, and availability
5. Interest and Fees: Interest calculation, payment terms, and applicable fees
6. Drawdown: Conditions and procedures for drawing down the facility
7. Repayment: Terms and timing of repayment obligations
8. Security: Overview of security arrangements and guarantees
9. Representations and Warranties: Statements of fact and assurances given by the borrower
10. Undertakings: Positive and negative obligations of the borrower during the facility term
11. Events of Default: Circumstances constituting default and consequences
12. Changes to Parties: Rules regarding assignment and transfer of rights
13. Notices: Communication requirements and contact details
14. General Provisions: Miscellaneous legal provisions including governing law and jurisdiction
1. Accordion Facility: Optional provision for increasing the facility amount under specified conditions
2. Multi-currency Provisions: Include when the facility can be drawn in multiple currencies
3. Tax Gross-up and Indemnities: Detailed tax provisions required for cross-border facilities or complex tax structures
4. Increased Costs: Provisions dealing with regulatory changes affecting the lender's costs
5. Market Disruption: Provisions handling interest rate benchmark disruptions
6. Group Borrower Provisions: Include when multiple group companies can access the facility
7. Bank Accounts: Required when specific account arrangements or cash management systems are needed
1. Conditions Precedent: List of documents and conditions required before first drawdown
2. Form of Drawdown Notice: Template for borrower to request facility drawdown
3. Calculation of Interest and Fees: Detailed methodology for calculating interest and fees
4. Form of Compliance Certificate: Template for periodic financial compliance reporting
5. Security Documents: List and copies of all security documents
6. Permitted Security: List of security interests permitted under the facility
7. Form of Transfer Certificate: Template for transferring rights under the facility
8. Financial Covenants: Detailed financial covenants and calculation methodologies
Account Bank
Additional Borrower
Affiliate
Availability Period
Available Commitment
Available Facility
Base Rate
Borrower
Break Costs
Business Day
Calculation Period
Commitment
Compliance Certificate
Default
Default Interest
Drawdown
Drawdown Date
Drawdown Notice
Encumbrance
Event of Default
Facility
Facility Amount
Facility Documents
Facility Period
Finance Documents
Finance Parties
Financial Indebtedness
Financial Statements
Financial Year
Group
Guarantee
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Margin
Material Adverse Effect
Obligor
Original Financial Statements
Outstanding Amount
Permitted Encumbrance
Potential Event of Default
Prime Rate
Purpose
Quarter Date
Recoverable Costs
Repayment Date
Security
Security Documents
Security Provider
Subsidiary
Tax
Total Commitments
Transaction Documents
Transfer
Transfer Date
Unpaid Sum
Working Capital
Facility Terms
Conditions Precedent
Drawdown
Interest
Fees
Repayment
Prepayment
Security
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Acceleration
Changes to Parties
Payment Mechanics
Set-off
Notices
Calculations
Amendments and Waivers
Confidentiality
Anti-Money Laundering
Data Protection
Force Majeure
Governing Law
Dispute Resolution
Severability
Assignment
Third Party Rights
Counterparts
Costs and Expenses
Indemnities
Tax Provisions
Currency Provisions
Banking and Financial Services
Manufacturing
Retail
Construction
Mining
Agriculture
Technology
Healthcare
Logistics and Transportation
Real Estate
General Trading
Industrial Services
Legal
Finance
Treasury
Credit Risk
Compliance
Operations
Commercial
Corporate Banking
Risk Management
Company Secretariat
Chief Financial Officer
Finance Director
Treasury Manager
Financial Controller
Corporate Lawyer
Legal Counsel
Relationship Manager
Credit Manager
Risk Manager
Company Secretary
Commercial Director
Managing Director
Operations Director
Financial Manager
Compliance Officer
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