The Bank Loan Agreement is a fundamental financial instrument used when a bank or financial institution provides financing to a borrower. This document, governed by English and Welsh law, establishes the legal framework for the lending relationship, including crucial elements such as facility terms, security arrangements, and ongoing obligations. The agreement must comply with UK banking regulations, particularly the Financial Services and Markets Act 2000 and FCA requirements. It's commonly used for both corporate and individual lending, though terms vary significantly based on the borrower type and loan purpose.
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1. Parties: Identifies the lender and borrower with full legal names and addresses
2. Background: Sets out the context of the loan and basic transaction structure
3. Definitions: Defines key terms used throughout the agreement
4. Facility: Details of the loan amount, purpose, and availability
5. Interest: Interest rate, calculation method, and payment terms
6. Repayment: Repayment schedule and terms
7. Representations and Warranties: Borrower's statements about its condition and capacity
8. Covenants: Ongoing obligations of the borrower
9. Events of Default: Circumstances that trigger default and remedies
1. Security: Details of any collateral or guarantees - include when loan is secured
2. Conditions Precedent: Conditions that must be met before drawdown - include for complex or large loans
3. Financial Covenants: Specific financial ratios and tests - include for corporate borrowers
1. Conditions Precedent Schedule: List of required documents and conditions
2. Form of Drawdown Notice: Template for requesting loan disbursements
3. Repayment Schedule: Detailed amortization table
4. Security Documents: Forms of security documentation for secured loans
5. Financial Covenants Calculations: Methodology for calculating financial ratios for corporate loans
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