This Legally Binding Loan Agreement template is designed for use in Switzerland and complies with Swiss federal laws, particularly the Swiss Code of Obligations (OR/CO) and relevant banking regulations. It serves as a comprehensive framework for documenting loan transactions between various parties, whether they are financial institutions, companies, or private individuals. The agreement should be used whenever a formal lending arrangement is established in Switzerland, requiring detailed documentation of the loan amount, interest rates, repayment terms, and security arrangements. It includes mandatory provisions required under Swiss law while allowing customization for specific lending scenarios. The document is particularly important for ensuring enforceability of the loan terms and providing clear remedies in case of default, while meeting Swiss regulatory requirements for lending transactions.
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Key Requirements PROMPT example:
Legally Binding Loan Agreement
"I need a Legally Binding Loan Agreement for a secured business loan of 500,000 CHF between my company as lender and a Swiss manufacturing business, with the borrower's equipment serving as collateral and quarterly repayments starting March 2025."
1. Parties: Identification and details of the lender and borrower, including full legal names, addresses, and registration details if applicable
2. Background: Context of the loan agreement, relationship between parties, and purpose of the loan
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount, currency, and permitted use of funds
5. Interest Rate: Interest rate specification, calculation method, and payment frequency
6. Repayment Terms: Repayment schedule, payment methods, and prepayment provisions
7. Conditions Precedent: Conditions that must be satisfied before the loan is disbursed
8. Representations and Warranties: Statements of fact and assurances given by the borrower
9. Covenants: Ongoing obligations of the borrower during the loan term
10. Events of Default: Circumstances that constitute default and consequences thereof
11. Notices: How and where formal communications between parties should be made
12. Governing Law and Jurisdiction: Confirmation of Swiss law application and jurisdiction for disputes
13. Miscellaneous: Standard boilerplate provisions including severability, entire agreement, and amendments
1. Security: Details of any collateral or security interests - include when loan is secured
2. Guarantees: Terms of any guarantees or third-party assurances - include when there are guarantors
3. Insurance Requirements: Required insurance coverage for secured assets - include for secured loans
4. Tax Provisions: Handling of taxes and withholdings - include for cross-border loans or significant amounts
5. Assignment and Transfer: Rights to transfer or assign the loan - include for transferable loans
6. Financial Covenants: Specific financial metrics to be maintained - include for business loans
7. Regulatory Compliance: Specific regulatory requirements - include for regulated lenders or borrowers
8. Co-Borrower Provisions: Terms applying to multiple borrowers - include when there are co-borrowers
1. Repayment Schedule: Detailed amortization table showing payment dates and amounts
2. Security Details: Detailed description of any collateral or security interests
3. Conditions Precedent Documents: List of required documents and conditions to be satisfied
4. Form of Drawdown Notice: Template for requesting loan disbursement
5. Form of Compliance Certificate: Template for periodic compliance reporting
6. Guarantor Documents: Forms and documents related to guarantees
7. Fee Schedule: Detailed breakdown of any applicable fees
Authors
Relevant legal definitions
Agreement
Applicable Law
Banking Day
Borrower
Business Day
Conditions Precedent
Default Interest
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
Event of Default
Facility
Final Repayment Date
Financial Indebtedness
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Parties
Permitted Purpose
Principal
Repayment Date
Repayment Schedule
Security
Security Documents
Security Interest
Swiss Francs
Tax
Term
Outstanding Amount
Guarantor
Guarantee
Secured Obligations
Signing Date
Effective Date
Maturity Date
Default Notice
Compliance Certificate
Representations
Warranties
Security Provider
Collateral
Required Documents
Permitted Transfer
Notice
Interest Calculation Period
Reference Rate
Applicable Law
Banking Day
Borrower
Business Day
Conditions Precedent
Default Interest
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
Event of Default
Facility
Final Repayment Date
Financial Indebtedness
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Parties
Permitted Purpose
Principal
Repayment Date
Repayment Schedule
Security
Security Documents
Security Interest
Swiss Francs
Tax
Term
Outstanding Amount
Guarantor
Guarantee
Secured Obligations
Signing Date
Effective Date
Maturity Date
Default Notice
Compliance Certificate
Representations
Warranties
Security Provider
Collateral
Required Documents
Permitted Transfer
Notice
Interest Calculation Period
Reference Rate
Clauses
Interpretation
Loan Facility
Purpose
Conditions Precedent
Drawdown
Interest
Repayment
Prepayment
Security
Representations and Warranties
Information Undertakings
General Undertakings
Financial Covenants
Events of Default
Acceleration
Set-off
Assignment and Transfer
Costs and Expenses
Indemnities
Notices
Amendments and Waivers
Severability
Counterparts
Confidentiality
Data Protection
Force Majeure
Anti-Money Laundering
Governing Law
Jurisdiction
Dispute Resolution
Entire Agreement
Third Party Rights
Time of Essence
Further Assurance
Guarantee
Tax Gross-up
Currency
Payment Mechanics
Default Interest
Calculation of Interest
Loan Facility
Purpose
Conditions Precedent
Drawdown
Interest
Repayment
Prepayment
Security
Representations and Warranties
Information Undertakings
General Undertakings
Financial Covenants
Events of Default
Acceleration
Set-off
Assignment and Transfer
Costs and Expenses
Indemnities
Notices
Amendments and Waivers
Severability
Counterparts
Confidentiality
Data Protection
Force Majeure
Anti-Money Laundering
Governing Law
Jurisdiction
Dispute Resolution
Entire Agreement
Third Party Rights
Time of Essence
Further Assurance
Guarantee
Tax Gross-up
Currency
Payment Mechanics
Default Interest
Calculation of Interest
Relevant Industries
Banking
Financial Services
Real Estate
Construction
Manufacturing
Retail
Technology
Healthcare
Education
Agriculture
Professional Services
Transportation
Energy
Hospitality
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Credit Administration
Corporate Banking
Retail Banking
Investment
Operations
Documentation
Relevant Roles
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Risk Manager
Credit Manager
Loan Officer
Treasury Manager
Compliance Officer
Financial Controller
Banking Manager
Legal Director
Contract Manager
Business Development Manager
Financial Analyst
Investment Manager
Portfolio Manager
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