The Collateral Access Agreement is essential in Canadian secured lending transactions where a borrower's collateral is located on leased or third-party owned premises. This document becomes necessary when a lender takes security over movable assets (such as equipment, inventory, or other personal property) located on premises not owned by the borrower. The agreement ensures that the lender's security interest is protected while respecting the landlord's property rights, addressing potential conflicts between personal property security interests and real property rights. It typically includes detailed provisions for access rights, notice requirements, insurance obligations, and liability allocation, all while ensuring compliance with Canadian federal banking regulations and provincial property laws, including the PPSA. The agreement is particularly crucial in enforcement scenarios, providing clear protocols for the lender to inspect, remove, or sell collateral while minimizing disruption to the landlord's operations.
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1. Parties: Identification of all parties to the agreement: secured party/lender, property owner/landlord, and borrower/tenant
2. Background: Context of the agreement, reference to relevant security agreements, lease agreements, and the purpose of the collateral access arrangement
3. Definitions: Key terms including Collateral, Premises, Access Period, Security Interest, and other relevant defined terms
4. Grant of Access: Core provision granting the secured party right to access the premises to inspect, remove, or sell collateral
5. Notice Requirements: Procedures and timeframes for giving notice before accessing the premises
6. Landlord's Rights and Obligations: Outline of property owner's obligations to facilitate access and maintain premises
7. Secured Party's Rights and Obligations: Responsibilities of secured party during access, including safety, insurance, and restoration obligations
8. Term and Termination: Duration of the agreement and circumstances for termination
9. Insurance and Liability: Insurance requirements and allocation of liability for damages
10. Notices: Format and method for giving formal notices under the agreement
11. General Provisions: Standard boilerplate including governing law, amendments, assignment, and severability
1. Multiple Location Provisions: Required when collateral is located at multiple premises, establishing specific procedures for each location
2. Environmental Matters: Needed when collateral includes potentially hazardous materials or environmental concerns
3. Subordination Provisions: Required when there are multiple secured parties or competing interests requiring priority arrangements
4. Storage Fees: Include when the landlord may charge fees for continued storage of collateral after default
5. Security Personnel: Needed when special security arrangements are required for access
6. Third Party Consents: Required when access requires approval from additional parties beyond the main agreement parties
7. Special Handling Requirements: Include when collateral requires specific handling, temperature control, or other special conditions
1. Schedule A - Premises Description: Detailed description and/or floor plans of the premises where collateral is located
2. Schedule B - Collateral Description: Detailed inventory or description of the collateral covered by the agreement
3. Schedule C - Access Protocols: Specific procedures and requirements for accessing different areas of the premises
4. Schedule D - Contact Information: List of authorized representatives and contact details for all parties
5. Schedule E - Insurance Requirements: Detailed insurance requirements and minimum coverage amounts
6. Appendix 1 - Form of Notice: Template for access notices and other required notifications
7. Appendix 2 - Security Procedures: Detailed security protocols and requirements for accessing the premises
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