The Master Loan and Security Agreement serves as the primary document governing secured lending relationships in Canadian jurisdictions. This agreement type is typically used when a lender expects to provide multiple loans or credit facilities to a borrower over time, with all advances secured by specified collateral. The document establishes a comprehensive framework that includes loan terms, security arrangements, representations and warranties, covenants, and enforcement mechanisms. It must comply with Canadian federal banking regulations and provincial security laws, particularly the Personal Property Security Act (PPSA) in the relevant province. The agreement is designed to eliminate the need for separate loan and security agreements for each advance, streamlining the lending process while maintaining robust protections for all parties involved.
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1. Parties: Identification of the lender and borrower, including full legal names and addresses
2. Background: Recitals explaining the purpose of the agreement and the parties' intention to enter into a lending relationship
3. Definitions: Comprehensive definitions of terms used throughout the agreement
4. Loan Facility: Details of the credit facility, including type, purpose, and general terms
5. Conditions Precedent: Conditions that must be satisfied before any loan advances
6. Security Interest: Grant of security interest and description of collateral categories
7. Representations and Warranties: Borrower's confirmations regarding their legal status, authority, and financial condition
8. Covenants: Positive and negative obligations of the borrower during the loan term
9. Events of Default: Circumstances constituting default and triggering enforcement rights
10. Enforcement Rights and Remedies: Lender's rights and remedies upon default
11. Administration: Operational aspects including payments, calculations, and notices
12. General Provisions: Standard clauses including governing law, assignment, and amendments
1. Guarantee: Required when there are guarantors supporting the borrower's obligations
2. Insurance: Detailed insurance requirements when specific insurance coverage is required for certain types of collateral
3. Environmental Matters: Required when lending involves real property or businesses with environmental risks
4. Multiple Borrowers: Joint and several liability provisions when there are multiple borrowers
5. Currency Provisions: Required for multi-currency loans or when loans are not in Canadian dollars
6. Subordination: Required when there are multiple lenders or existing debt that needs to be subordinated
7. Tax Provisions: Detailed tax provisions when lending structure has specific tax implications
8. Special Industry Provisions: Industry-specific provisions for regulated industries or special business types
1. Schedule A - Loan Terms: Specific terms of each loan including amount, interest rate, and repayment schedule
2. Schedule B - Collateral Description: Detailed description of all collateral securing the loans
3. Schedule C - Permitted Liens: List of pre-existing or permitted security interests on the collateral
4. Schedule D - Borrowing Base: Formula and eligibility criteria for borrowing base if applicable
5. Schedule E - Compliance Certificate: Form of periodic compliance certificate to be delivered by borrower
6. Schedule F - Permitted Locations: Approved locations where collateral may be located
7. Schedule G - Intellectual Property: Details of intellectual property included in collateral if applicable
8. Appendix 1 - Draw Request Form: Standard form for requesting loan advances
9. Appendix 2 - PPSA Financing Statement: Form of personal property security registration
Relevant legal definitions
Clauses
Relevant Industries
Banking & Financial Services
Manufacturing
Real Estate
Retail
Technology
Healthcare
Agriculture
Energy
Transportation & Logistics
Construction
Mining
Telecommunications
Professional Services
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Credit Administration
Corporate Banking
Commercial Banking
Security Administration
Documentation
Relevant Roles
Chief Financial Officer
Treasury Manager
Corporate Counsel
Legal Counsel
Finance Director
Credit Manager
Risk Manager
Commercial Lending Officer
Corporate Banking Manager
Compliance Officer
Security Administrator
Financial Controller
Business Development Manager
Transaction Manager
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