The Small Business Loan Agreement is essential for facilitating access to capital for small and medium-sized enterprises in Switzerland. This document is typically used when a business requires financing for operations, expansion, or specific projects, and seeks to borrow from a bank or financial institution. The agreement must comply with Swiss banking regulations, including the Federal Act on Banks and Savings Banks, the Swiss Code of Obligations, and relevant cantonal laws. It contains detailed provisions on loan terms, security arrangements, borrower obligations, and lender rights, while incorporating Swiss-specific requirements for financial documentation and security interests. The document serves both to protect the lender's interests and to provide clear guidance to the borrower regarding their obligations and rights under Swiss law.
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1. Parties: Identification of the lender and borrower with full legal details as registered in Swiss Commercial Register
2. Background: Context of the loan agreement and brief description of the business purpose
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount and detailed description of its intended business use
5. Interest Rate and Calculations: Interest rate specifications, calculation method, and payment schedule
6. Repayment Terms: Details of repayment schedule, installment amounts, and payment methods
7. Conditions Precedent: Conditions that must be satisfied before the loan is disbursed
8. Representations and Warranties: Statements of fact by the borrower about their business and financial condition
9. Borrower Covenants: Ongoing obligations of the borrower during the loan term
10. Events of Default: Circumstances that constitute default and their consequences
11. Fees and Costs: All applicable fees, charges, and cost responsibilities
12. Notices: Communication requirements and contact details for official notices
13. Governing Law and Jurisdiction: Confirmation of Swiss law application and jurisdiction
14. Miscellaneous: Standard boilerplate provisions including severability and entire agreement clauses
1. Security: Details of any collateral or security provided - include when loan is secured
2. Guarantees: Terms of personal or corporate guarantees - include when third-party guarantees are provided
3. Insurance Requirements: Specific insurance obligations - include when particular insurance coverage is required
4. Prepayment Terms: Conditions and penalties for early repayment - include when early repayment options are offered
5. Draw-down Provisions: Terms for accessing loan in multiple tranches - include for staged loan disbursements
6. Financial Covenants: Specific financial ratios and requirements - include for larger or more complex loans
7. Assignment and Transfer: Rules for transferring loan obligations - include when transfer rights are important
1. Repayment Schedule: Detailed amortization table showing payment dates and amounts
2. Fee Schedule: Breakdown of all applicable fees and charges
3. Security Details: Detailed description of any collateral or security arrangements
4. Required Documents: List of documents required for loan processing and maintenance
5. Business Plan: Summary of borrower's business plan and financial projections
6. Conditions Precedent Checklist: List of conditions to be met before loan disbursement
7. Insurance Requirements: Detailed specifications of required insurance coverage
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Small Business Retail
Manufacturing
Technology
Professional Services
Hospitality
Construction
Healthcare
Agriculture
E-commerce
Logistics
Real Estate
Relevant Teams
Legal
Credit Risk
Compliance
Business Banking
Commercial Lending
Operations
Document Management
Risk Management
Customer Relations
Finance
Relevant Roles
Credit Officer
Loan Officer
Business Banking Manager
Risk Manager
Compliance Officer
Legal Counsel
Small Business Owner
Chief Financial Officer
Financial Controller
Account Manager
Relationship Manager
Credit Risk Analyst
Banking Operations Manager
Due Diligence Officer
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