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1. Parties: Identifies and defines the Lender, Borrower, and any other relevant parties to the agreement
2. Background: Sets out the context of the loan and subordination arrangement
3. Definitions and Interpretation: Defines key terms and establishes interpretation principles
4. The Loan: Details the loan amount, purpose, and drawdown conditions
5. Interest: Specifies interest rate, calculation method, and payment terms
6. Repayment: Sets out repayment terms, including scheduled payments and early repayment provisions
7. Subordination: Establishes the subordinated nature of the loan and its ranking relative to senior debt
8. Representations and Warranties: Contains standard and specific representations and warranties from the Borrower
9. Undertakings: Details positive and negative covenants of the Borrower
10. Events of Default: Lists circumstances constituting default and consequences
11. Payments: Specifies payment mechanics, currency, and treatment of payments
12. Tax Provisions: Addresses tax-related matters including withholding tax and GST
13. Assignment and Transfer: Sets out conditions for transfer or assignment of rights and obligations
14. Notices: Specifies how formal notices must be given and received
15. General Provisions: Contains boilerplate clauses including governing law, jurisdiction, and amendments
1. Security: Include when the subordinated loan is secured by specific assets or guarantees
2. Guarantee: Include when third-party guarantees are required for the loan
3. Intercreditor Provisions: Include when detailed arrangements with senior creditors need to be documented
4. Conversion Rights: Include if the loan can be converted to equity under certain conditions
5. Special Mandatory Prepayment: Include if specific events trigger mandatory prepayment
6. Registration Requirements: Include if PPSR or other registrations are required
7. Financial Covenants: Include when specific financial metrics must be maintained
8. Information Rights: Include when specific reporting requirements beyond standard undertakings are needed
9. Change of Control: Include when change in borrower ownership triggers specific rights
10. Step-In Rights: Include when lender may take control under certain circumstances
1. Loan Terms Schedule: Details of loan amount, interest rate, repayment dates, and other key terms
2. Drawdown Notice: Form of notice for requesting loan disbursement
3. Repayment Schedule: Detailed schedule of repayment dates and amounts
4. Conditions Precedent: List of documents and conditions required before drawdown
5. Senior Debt: Details of existing senior debt and creditors
6. Security Details: Description of any security granted (if applicable)
7. Compliance Certificate: Form of certificate for periodic compliance confirmation
8. Financial Covenant Calculations: Template for calculating and reporting financial covenants
9. Permitted Security Interests: List of security interests allowed under the agreement
10. Address Details: Contact details and addresses for notices
Financial Services
Banking
Private Equity
Real Estate
Infrastructure
Mining
Manufacturing
Technology
Healthcare
Retail
Energy
Telecommunications
Agriculture
Construction
Legal
Finance
Treasury
Corporate Development
Risk Management
Compliance
Credit
Commercial
Corporate Finance
Banking
Investment
Chief Financial Officer
Finance Director
Treasury Manager
Corporate Lawyer
Legal Counsel
Finance Manager
Investment Director
Credit Manager
Risk Manager
Commercial Director
Corporate Banking Manager
Debt Finance Manager
Company Secretary
Financial Controller
Compliance Officer
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