The Debenture Loan Agreement is a crucial financing instrument used in Australian business transactions when a company seeks to obtain secured financing through the issuance of debentures. This document is typically employed when a borrower requires substantial funding and is willing to provide security over its assets to secure the loan obligations. The agreement must comply with Australian regulatory requirements, particularly the Corporations Act 2001 (Cth) and ASIC regulations, and includes detailed provisions regarding the security structure, financial covenants, reporting obligations, and enforcement rights. It's commonly used in corporate financing, project financing, and business expansion scenarios where traditional unsecured lending may not be suitable or available.
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1. Parties: Identifies the lender (debenture holder) and borrower (issuer) with their full legal details
2. Background: Outlines the context of the agreement, including the borrower's intention to issue the debenture and the lender's agreement to subscribe
3. Definitions and Interpretation: Defines key terms used throughout the agreement and sets out interpretation rules
4. Loan Amount and Purpose: Specifies the principal amount of the loan and its approved purpose
5. Interest: Details the interest rate, calculation method, and payment frequency
6. Repayment Terms: Specifies the repayment schedule, maturity date, and early repayment provisions
7. Security: Describes the security granted to the lender, including charged assets and their maintenance
8. Representations and Warranties: Sets out the borrower's representations regarding their legal status, capacity, and financial condition
9. Covenants: Details the borrower's ongoing obligations, including financial covenants and reporting requirements
10. Events of Default: Lists circumstances that constitute default and the consequences thereof
11. Enforcement Rights: Outlines the lender's rights and remedies upon default
12. General Provisions: Contains standard clauses including notices, amendments, governing law, and jurisdiction
1. Guarantee: Required when there is a third-party guarantor securing the debenture obligations
2. Subordination: Needed when the debenture ranks behind other creditors or there are multiple classes of debenture holders
3. Conversion Rights: Included for convertible debentures that can be converted into equity
4. Transfer and Assignment: Detailed provisions for transferable debentures
5. Security Trustee: Required when a trustee holds the security on behalf of multiple debenture holders
6. Intercreditor Provisions: Needed when there are multiple secured creditors and their priorities need to be established
1. Loan Details: Detailed breakdown of the loan amount, interest rate, and payment schedule
2. Secured Property: Comprehensive list and description of all assets subject to the security
3. Financial Covenants: Detailed financial ratios and thresholds the borrower must maintain
4. Form of Drawdown Notice: Template for requesting disbursement of loan funds
5. Form of Compliance Certificate: Template for periodic certification of covenant compliance
6. Required Insurance: Details of insurance requirements for secured assets
7. Permitted Security Interests: List of pre-approved security interests that may exist over the secured assets
Relevant legal definitions
Clauses
Relevant Industries
Financial Services
Banking
Real Estate
Infrastructure
Mining
Manufacturing
Construction
Agriculture
Retail
Technology
Healthcare
Energy
Telecommunications
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Corporate Secretariat
Credit
Investment
Operations
Due Diligence
Corporate Banking
Securities Administration
Relevant Roles
Chief Financial Officer
Finance Director
Corporate Lawyer
Legal Counsel
Company Secretary
Treasury Manager
Risk Manager
Compliance Officer
Investment Manager
Credit Manager
Corporate Banking Manager
Financial Controller
Security Trustee Officer
Loan Administrator
Due Diligence Officer
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