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1. Parties: Identification of the credit provider, purchaser, and any guarantors with full legal names and addresses
2. Background: Context of the transaction, relationship between parties, and purpose of the credit purchase
3. Definitions: Definitions of key terms used throughout the agreement, including financial and technical terms
4. Credit Amount and Purpose: Specification of the credit amount, purpose, and terms of disbursement
5. Purchase Details: Description of the assets or goods being purchased with the credit
6. Interest and Fees: Detailed breakdown of interest rates, calculation methods, and all applicable fees
7. Repayment Terms: Payment schedule, installment amounts, and repayment mechanisms
8. Security Arrangements: Details of any collateral, guarantees, or other security measures
9. Representations and Warranties: Statements of fact and assurances from both parties
10. Covenants: Ongoing obligations of the parties during the term of the agreement
11. Events of Default: Circumstances constituting default and consequences thereof
12. Remedies: Rights and remedies available to parties in case of default or breach
13. Term and Termination: Duration of the agreement and circumstances for early termination
14. Governing Law and Jurisdiction: Confirmation of German law application and jurisdiction
15. Notices: Process and requirements for formal communications between parties
16. Execution: Signature blocks and execution requirements
1. Insurance Requirements: Required when the purchased asset needs specific insurance coverage
2. Tax Provisions: Include when tax implications need specific attention or in cross-border transactions
3. Assignment and Transfer: Include when transfer rights need to be specifically addressed or restricted
4. Force Majeure: Include for long-term credit purchases or when specific external risks need addressing
5. Confidentiality: Include when sensitive commercial information is involved
6. Anti-Money Laundering Compliance: Required for high-value transactions or when dealing with specific industry sectors
7. Data Protection: Include when personal data processing is involved beyond basic contract administration
1. Schedule 1 - Payment Schedule: Detailed amortization table with payment dates and amounts
2. Schedule 2 - Asset Description: Detailed description of assets being purchased, including technical specifications
3. Schedule 3 - Security Details: Detailed description of collateral and security arrangements
4. Schedule 4 - Conditions Precedent: List of conditions to be satisfied before credit disbursement
5. Schedule 5 - Form of Drawdown Notice: Template for requesting disbursement of credit
6. Appendix A - Required Insurance Coverage: Specific insurance requirements and minimum coverage amounts
7. Appendix B - Compliance Certificates: Templates for ongoing compliance certification
8. Appendix C - KYC Documentation Requirements: List of required customer due diligence documents
Banking & Financial Services
Manufacturing
Automotive
Industrial Equipment
Real Estate
Technology & Software
Healthcare
Agriculture
Construction
Retail
Transportation & Logistics
Energy & Utilities
Legal
Finance
Treasury
Procurement
Risk Management
Compliance
Commercial
Operations
Credit Administration
Corporate Banking
Asset Management
Contract Management
Chief Financial Officer
Finance Director
Treasury Manager
Procurement Manager
Legal Counsel
Commercial Director
Credit Manager
Risk Manager
Corporate Banking Officer
Asset Finance Manager
Compliance Officer
Contract Administrator
Financial Controller
Business Development Manager
Operations Director
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