The Term Loan Credit Agreement is a fundamental financing document used when a borrower requires a fixed-term loan facility from a lender. This agreement is particularly relevant in the Australian financial services landscape, where it must comply with comprehensive regulatory requirements including the National Consumer Credit Protection Act 2009 (Cth) and the Banking Act 1959 (Cth). The document typically covers loan amount, purpose, drawdown mechanics, interest calculations, repayment terms, security arrangements (if applicable), representations and warranties, financial and general covenants, and events of default. It serves as the primary document governing the lending relationship throughout the facility term and provides certainty and protection for all parties involved.
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1. Parties: Identifies the lender, borrower, and any guarantors or other parties to the agreement
2. Background: Sets out the context and purpose of the loan facility
3. Definitions and Interpretation: Defines key terms and establishes interpretation principles for the agreement
4. The Facility: Details the amount, purpose, and basic terms of the loan facility
5. Conditions Precedent: Lists conditions that must be satisfied before drawdown
6. Drawdown: Specifies the drawdown mechanics, notice requirements, and availability period
7. Interest: Sets out interest rates, calculation methods, and payment provisions
8. Repayment and Prepayment: Details scheduled repayments, prepayment rights, and related conditions
9. Representations and Warranties: Contains borrower's representations about its status and capacity
10. Undertakings: Lists positive and negative covenants the borrower must observe
11. Events of Default: Specifies circumstances constituting default and consequences
12. Changes to Parties: Addresses assignment and transfer rights
13. Administration: Covers operational aspects including payments and calculations
14. Notices: Specifies how formal communications between parties should be made
15. Governing Law and Enforcement: Identifies governing law and jurisdiction for disputes
1. Security: Required when the loan is secured - details security arrangements and enforcement rights
2. Guarantee: Required when there are guarantors - contains guarantee and indemnity provisions
3. Multiple Borrowers: Required for multiple borrowers - addresses joint and several liability
4. Increased Costs and Tax Gross-Up: Optional provisions protecting lender against regulatory changes and tax implications
5. Market Disruption: Optional provisions addressing benchmark rate unavailability or market disruption
6. Syndication Provisions: Required for syndicated facilities - addresses multiple lender mechanics
7. Anti-Money Laundering: Detailed AML/CTF provisions if not covered in representations and warranties
8. Privacy: Detailed privacy provisions if not covered in general terms
1. Conditions Precedent: Detailed list of required conditions precedent documents and evidence
2. Form of Drawdown Notice: Template form for borrower to request loan drawdown
3. Repayment Schedule: Detailed schedule of repayment dates and amounts
4. Form of Compliance Certificate: Template for periodic compliance certification
5. Financial Covenants: Detailed financial covenants and calculation methodologies
6. Permitted Security Interests: List of security interests permitted under negative pledge
7. Form of Transfer Certificate: Template for transferring loan participations
8. Address Details: Contact details for notices and communications
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