The Simple Loan Note is a fundamental financial document used to formalize lending arrangements under German law. It is particularly suitable for straightforward lending transactions where parties need a clear, legally compliant document that captures the essential terms of the loan. The document incorporates requirements from the German Civil Code (BGB) and, where applicable, German Banking Act (KWG) and consumer protection legislation. A Simple Loan Note typically includes provisions for loan amount, interest calculation, repayment schedule, default scenarios, and any security arrangements. It is commonly used for business loans, inter-company lending, or private lending arrangements where a formal but uncomplicated documentation structure is desired.
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1. Parties: Identification of the lender and borrower with full legal names and addresses
2. Background: Brief context of the loan arrangement and purpose
3. Definitions: Key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the principal amount and intended use of the loan
5. Interest Rate: Details of the applicable interest rate, calculation method, and payment frequency
6. Repayment Terms: Schedule and method of repayment, including principal and interest payments
7. Payment Mechanics: Bank account details and payment procedures
8. Events of Default: Circumstances constituting default and consequences
9. Representations and Warranties: Basic statements of fact and assurances from the borrower
10. Governing Law: Confirmation of German law as governing law
11. Signatures: Execution blocks for all parties
1. Security: Include when the loan is secured by collateral or guarantees
2. Early Repayment: Include when early repayment options are permitted, specifying any associated fees
3. Assignment and Transfer: Include when parties want to specifically address loan transfer rights
4. Costs and Expenses: Include when there are specific provisions about who bears various costs
5. Tax Provisions: Include when specific tax considerations need to be addressed
6. Notices: Include when formal communication procedures need to be specified
1. Repayment Schedule: Detailed schedule of payment dates and amounts
2. Form of Drawdown Notice: If the loan is to be drawn in installments, template for requesting disbursement
3. Security Details: If applicable, details of any collateral or security arrangements
4. Conditions Precedent: List of documents and conditions required before loan disbursement
Authors
Relevant legal definitions
Clauses
Relevant Industries
Financial Services
Banking
Real Estate
Manufacturing
Retail
Technology
Healthcare
Construction
Professional Services
Small and Medium Enterprises
Relevant Teams
Legal
Finance
Treasury
Credit Risk
Compliance
Corporate Secretariat
Banking
Loan Administration
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Finance Manager
Credit Manager
Risk Manager
Banking Relationship Manager
Corporate Secretary
Financial Controller
Loan Officer
Compliance Officer
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