Group Loan Agreement Form Template for England and Wales

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Group Loan Agreement Form

"Need a Group Loan Agreement Form for a manufacturing parent company and its three UK subsidiaries to borrow Ã‚Â£50 million from a syndicate of banks, with first drawdown planned for March 2025 and security over company assets."

What is a Group Loan Agreement Form?

The Group Loan Agreement Form is essential when multiple companies within a corporate group require access to loan facilities under a single agreement. This document, governed by English and Welsh law, establishes a comprehensive framework for group borrowing, including facility amounts, security arrangements, cross-guarantees, and covenant packages. It ensures compliance with UK financial regulations while providing flexibility for different group entities to access funding. The agreement is particularly useful for corporate restructuring, expansion projects, or refinancing existing group debt.

What sections should be included in a Group Loan Agreement Form?

1. Parties: Identification of all lenders, borrowers, and guarantors in the group loan arrangement

2. Background: Context of the loan arrangement, group structure, and purpose of the facility

3. Definitions: Key terms and definitions used throughout the agreement including financial terms, parties, and technical concepts

4. Facility Details: Specifics of the loan facility including amount, purpose, availability period, and drawdown conditions

5. Interest and Fees: Interest rate calculations, payment dates, default interest, and all applicable fees and charges

6. Repayment Terms: Schedule and methods of repayment, prepayment provisions, and mandatory prepayment events

7. Representations and Warranties: Statements of fact and assurances from borrowers regarding their status, capacity, and financial condition

8. Covenants: Financial and operational obligations of the borrowers including information provision and restrictions on activities

9. Events of Default: Circumstances constituting default and consequences, including acceleration rights and enforcement measures

What sections are optional to include in a Group Loan Agreement Form?

1. Security Provisions: Details of any security arrangements, ranking, and enforcement rights (include when loan is secured)

2. Guarantees: Terms of any guarantees provided by group companies or third parties (include when guarantors are involved)

3. Syndication Provisions: Terms for loan syndication, transfer provisions, and voting mechanisms (include for syndicated facilities)

4. Intercreditor Provisions: Ranking and priority between different creditors (include when multiple lenders or debt types exist)

What schedules should be included in a Group Loan Agreement Form?

1. Schedule 1 - The Original Parties: Complete details of all original lenders, borrowers, and guarantors including registration information

2. Schedule 2 - Conditions Precedent: List of all documents and conditions required before initial and subsequent drawdowns

3. Schedule 3 - Utilisation Request Form: Standard form for requesting loan drawdowns including required information and notice periods

4. Schedule 4 - Repayment Schedule: Detailed repayment dates and amounts for term loan facilities

5. Schedule 5 - Security Documents: List and copies of all security documentation including charges and guarantees

6. Schedule 6 - Form of Transfer Certificate: Standard form for transferring loan commitments between lenders

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok��˰� | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co

Relevant legal definitions

Clauses

Relevant Industries

Financial Services
Technology
Manufacturing
Professional Services
Healthcare

Relevant Teams

Legal
Human Resources
Corporate Governance
Company Secretariat
Finance

Relevant Roles

Executive Director
Non-Executive Director
Managing Director
Chief Executive Officer
Board Member

Industries

Consumer Credit Act 1974: Primary legislation governing consumer credit agreements and consumer lending. Applies when borrowers are individuals rather than companies.

Financial Services and Markets Act 2000: Key legislation regulating financial services in the UK, establishing regulatory framework and requirements for financial activities.

Companies Act 2006: Principal legislation governing company operations in the UK, relevant for corporate borrowers in the group loan agreement.

Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, particularly excluding or restricting liability.

Consumer Rights Act 2015: Legislation protecting consumer rights, applicable if any borrowers are consumers rather than businesses.

FCA Regulations: Financial Conduct Authority regulations and guidelines governing financial services and consumer protection.

PRA Requirements: Prudential Regulation Authority requirements focusing on financial stability and prudential regulation of financial institutions.

Money Laundering Regulations 2017: Regulations requiring due diligence and verification procedures to prevent money laundering.

Data Protection Act 2018: Legislation governing the processing and handling of personal data, including UK GDPR requirements.

Contracts (Rights of Third Parties) Act 1999: Legislation governing how third parties may enforce terms of a contract.

Law of Property Act 1925: Fundamental property law legislation, relevant if the loan agreement involves secured lending.

Insolvency Act 1986: Legislation governing insolvency proceedings and creditor rights in case of borrower default.

Financial Collateral Arrangements (No.2) Regulations 2003: Regulations governing financial collateral arrangements and security interests.

Contract Formation Principles: Common law principles governing contract formation, including offer, acceptance, consideration, and intention to create legal relations.

Principles of Equity: Common law principles providing fairness and justice where strict legal rules may be insufficient.

Assignment and Novation Rules: Common law principles governing the transfer of rights and obligations under the loan agreement.

Security and Guarantees Principles: Common law principles governing the creation and enforcement of security interests and guarantees.

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Let's create your Group Loan Agreement Form

What is a Group Loan Agreement Form?

What sections should be included in a Group Loan Agreement Form?

What sections are optional to include in a Group Loan Agreement Form?

What schedules should be included in a Group Loan Agreement Form?

Authors

Alex Denne

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