The Credit and Security Agreement is a fundamental document in secured lending transactions under English and Welsh law. It is typically used when a lender requires both a formal credit arrangement and security over assets as collateral. The agreement serves multiple purposes: it documents the credit facility terms, creates security interests, establishes the borrower's obligations, and provides enforcement mechanisms. This document type is particularly important in commercial lending, where lenders seek robust protection for their credit exposure. The agreement must comply with English law requirements regarding both credit and security arrangements, including registration requirements under the Companies Act 2006 and creation of security interests under property law.
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1. Parties: Identification and details of the lender(s) and borrower(s)
2. Background: Context of the credit facility and security arrangement
3. Definitions: Key terms used throughout the agreement
4. Facility Details: Amount, purpose, and terms of the credit facility
5. Security Provisions: Details of security being granted and enforcement rights
6. Representations and Warranties: Statements of fact and assurances from the borrower
7. Covenants: Ongoing obligations of the borrower
8. Events of Default: Circumstances that trigger default and remedies
9. Governing Law and Jurisdiction: Legal framework governing the agreement
1. Guarantees: Terms of any guarantees provided - use when third-party guarantees are part of the security package
2. Intercreditor Provisions: Arrangements between multiple creditors - use when multiple lenders are involved
3. Insurance Requirements: Specific insurance obligations - use when insurance is required as part of security
4. Assignment and Transfer: Rights to transfer the facility - use when transfer rights are important to the lender
1. Security Assets Schedule: Detailed list of assets subject to security
2. Repayment Schedule: Payment dates and amounts
3. Form of Drawdown Notice: Template for requesting facility drawdowns
4. Conditions Precedent: List of documents and conditions required before drawdown
5. Financial Covenants Schedule: Detailed financial ratios and requirements
6. Security Documents: Forms of security documents required
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