This Loan Master Agreement is designed for use in the Australian jurisdiction when establishing a comprehensive lending relationship between a financial institution and a borrower. It serves as the primary document governing multiple loans or advances that may be made available under a facility arrangement. The agreement incorporates all necessary provisions required under Australian financial services law and banking regulations, including compliance with ASIC requirements and the National Consumer Credit Protection Act 2009 (Cth). It is particularly suitable for complex lending arrangements where multiple drawdowns may be required over time, or where various types of facilities (such as term loans, revolving facilities, or bank guarantees) may be needed. The document includes detailed provisions for facility utilization, interest calculations, security arrangements, and ongoing compliance requirements.
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1. Parties: Identification of the lender and borrower, including full legal names and registration details
2. Background: Context of the agreement and relationship between the parties
3. Definitions and Interpretation: Comprehensive definitions of terms used throughout the agreement and rules of interpretation
4. Facility Establishment: Core terms establishing the loan facility, including facility limits and availability
5. Drawdown Procedures: Process and requirements for requesting and receiving loan disbursements
6. Interest and Fees: Calculation and payment of interest, fees, and other charges
7. Repayment Terms: Terms and conditions for loan repayment, including scheduled payments and prepayment provisions
8. Representations and Warranties: Standard representations and warranties given by the borrower
9. Covenants: Positive and negative obligations of the borrower during the loan term
10. Events of Default: Circumstances constituting default and consequences thereof
11. Security: General security provisions and requirements
12. Payments and Calculations: Methods of payment, calculation conventions, and payment mechanics
13. Changes to Parties: Rules regarding assignment, transfer, and novation
14. Administration: Administrative provisions including notices and communications
15. Governing Law and Jurisdiction: Choice of law and jurisdiction for dispute resolution
16. Execution: Execution blocks and signing requirements
1. Multiple Currencies: Required when the facility allows for loans in different currencies, including conversion provisions and currency-specific terms
2. Syndication Provisions: Required for syndicated facilities, including roles of facility agent and security trustee
3. Market Disruption: Provisions dealing with market disruption events and alternative interest rate calculations
4. Increased Costs and Tax Provisions: Detailed provisions for handling regulatory changes affecting costs and tax implications
5. Green Loan Provisions: Required for green loans, including use of proceeds and sustainability reporting requirements
6. Multi-borrower Provisions: Required when multiple borrowers can access the facility, including joint and several liability terms
7. Letter of Credit Facility: Required when the facility includes letter of credit issuance capabilities
8. Bank Guarantee Facility: Required when the facility includes bank guarantee issuance capabilities
1. Facility Specific Terms: Detailed terms specific to each type of facility offered
2. Conditions Precedent: List of required documents and conditions for initial and subsequent drawdowns
3. Drawdown Request Form: Template form for requesting loan disbursements
4. Pricing Schedule: Detailed breakdown of interest rates, margins, and fees
5. Compliance Certificate: Template for periodic compliance certification
6. Financial Covenants: Detailed financial covenants and calculation methodologies
7. Permitted Security Interests: List of security interests permitted under the agreement
8. Form of Transfer Certificate: Template for documenting transfers between lenders
9. Notice Details: Contact details and notice requirements for all parties
Relevant legal definitions
Clauses
Relevant Industries
Banking and Financial Services
Corporate Finance
Real Estate and Property Development
Infrastructure and Construction
Mining and Resources
Manufacturing
Retail and Consumer Goods
Agriculture and Agribusiness
Healthcare and Pharmaceuticals
Technology and Telecommunications
Energy and Utilities
Transport and Logistics
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Credit
Corporate Banking
Transaction Management
Company Secretariat
Operations
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Risk Manager
Compliance Officer
Credit Manager
Relationship Manager
Transaction Manager
Finance Manager
Company Secretary
Banking and Finance Lawyer
Senior Credit Analyst
Treasury Director
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