The Loan Term Sheet is a crucial preliminary document used in Austrian financing transactions to establish the fundamental terms and conditions of a proposed loan facility. It is typically prepared after initial commercial discussions but before detailed legal documentation, serving as a roadmap for the transaction and subsequent loan agreement. Used in both bilateral and syndicated lending scenarios, it captures key commercial terms, conditions precedent, and basic covenants while complying with Austrian banking regulations and civil law requirements. The document is particularly important in the Austrian context where it helps ensure compliance with local banking regulations (Bankwesengesetz) and consumer protection laws where applicable. While generally non-binding except for specific provisions, it forms the basis for negotiating and drafting the final loan documentation.
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1. Parties: Identification of the lender(s) and borrower(s), including registration details and addresses
2. Background: Brief context of the loan facility and its purpose
3. Definitions: Key terms used throughout the term sheet
4. Facility Details: Type, amount, and currency of the loan facility
5. Purpose: Specified use of the loan proceeds
6. Interest and Fees: Interest rate, calculation basis, payment dates, and applicable fees
7. Availability Period: Timeline during which the loan can be drawn
8. Repayment Terms: Repayment schedule, installments, and final maturity date
9. Conditions Precedent: Conditions that must be satisfied before drawdown
10. Representations and Warranties: Basic representations required from the borrower
11. Key Covenants: Essential financial and general covenants
12. Events of Default: Primary events triggering default
13. Governing Law: Confirmation of Austrian law as governing law
1. Security: Details of any collateral or security - include if loan is secured
2. Guarantees: Information about guarantors and guarantee terms - include if guaranteed
3. Syndication Provisions: Terms for syndication - include for syndicated facilities
4. Market Disruption: Provisions for market disruption events - include for EURIBOR-based loans
5. Tax Provisions: Detailed tax considerations - include for cross-border loans
6. Assignment and Transfer: Terms for transfer of loan participations - include for transferable facilities
7. Break Costs: Calculation and payment of break costs - include for fixed-rate loans
8. Accordion Feature: Provisions for increasing facility amount - include if facility is expandable
1. Repayment Schedule: Detailed amortization schedule if applicable
2. Fee Schedule: Breakdown of all applicable fees and charges
3. Form of Drawdown Notice: Template for requesting loan disbursements
4. Conditions Precedent Checklist: Detailed list of required documents and conditions
5. Security Details: Comprehensive description of security package if applicable
6. Financial Covenants Calculations: Detailed methodology for calculating financial covenants
7. Know Your Customer Requirements: List of required KYC documentation under Austrian regulations
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