This Pro Forma Loan Agreement serves as a standardized template for lending transactions under Irish law, suitable for both commercial and consumer lending scenarios. It is designed to be customizable while maintaining compliance with Irish banking regulations, the Consumer Credit Act 1995, and relevant EU directives. The document includes comprehensive provisions for loan terms, conditions precedent, drawdown mechanics, repayment structures, security arrangements, and events of default. It is particularly useful for financial institutions operating in Ireland that require a standardized yet adaptable lending document that meets regulatory requirements and market expectations. The agreement can be modified to accommodate various loan types, amounts, and purposes while maintaining its core regulatory compliance features.
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1. Parties: Identifies and defines the Lender and Borrower with full legal names and addresses
2. Background: Explains the context of the loan agreement and the parties' intentions
3. Definitions and Interpretation: Defines key terms used throughout the agreement and sets out interpretation rules
4. The Facility: Details the loan amount, purpose, and availability
5. Conditions Precedent: Lists conditions that must be satisfied before the loan becomes available
6. Drawdown: Specifies the drawdown mechanics, notice requirements, and procedures
7. Interest: Sets out interest rate, calculation methods, and payment periods
8. Repayment: Details repayment schedule, amounts, and mechanisms
9. Prepayment: Specifies terms and conditions for early repayment
10. Representations and Warranties: Lists statements of fact and assurances given by the Borrower
11. Covenants: Sets out positive and negative obligations of the Borrower during the loan term
12. Events of Default: Defines circumstances that constitute default and consequences
13. Fees and Expenses: Details all fees, charges, and costs associated with the loan
14. Payments: Specifies payment mechanics, timing, and currency
15. Notices: Sets out how formal communications between parties should be made
16. Assignment and Transfer: Details whether and how the agreement can be assigned to other parties
17. Governing Law and Jurisdiction: Specifies Irish law as governing law and jurisdiction for disputes
1. Security: Required when the loan is secured against assets or requires guarantees
2. Insurance: Required when specific insurance coverage must be maintained by the Borrower
3. Special Conditions: Used when there are unique terms specific to the particular loan arrangement
4. Tax Gross-Up: Required when tax provisions need to be addressed specifically
5. Multiple Borrowers: Required when there is more than one borrower
6. Change of Control: Required for corporate borrowers where ownership changes need to be addressed
7. Market Disruption: Required for floating rate loans to address market disruption scenarios
8. Increased Costs: Required when regulatory changes might affect the cost of maintaining the loan
1. Schedule 1 - Conditions Precedent: Detailed list of documents and conditions required before drawdown
2. Schedule 2 - Form of Drawdown Notice: Template for the Borrower to request loan disbursement
3. Schedule 3 - Repayment Schedule: Detailed amortization schedule if applicable
4. Schedule 4 - Form of Compliance Certificate: Template for periodic confirmation of compliance with loan terms
5. Schedule 5 - Security Documents: List and copies of security documents if loan is secured
6. Appendix A - Calculation of Interest: Detailed methodology for interest calculations
7. Appendix B - Fee Schedule: Comprehensive list of all applicable fees and charges
8. Appendix C - Standard Terms and Conditions: General terms and conditions applicable to all loans of this type
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Real Estate
Corporate Finance
Small and Medium Enterprises
Construction
Manufacturing
Retail
Agriculture
Technology
Healthcare
Education
Relevant Teams
Legal
Compliance
Credit Risk
Commercial Banking
Corporate Finance
Operations
Treasury
Risk Management
Finance
Corporate Banking
Retail Banking
Relevant Roles
Legal Counsel
Relationship Manager
Credit Officer
Risk Manager
Compliance Officer
Commercial Banking Manager
Corporate Finance Manager
Banking Operations Manager
Credit Analyst
Legal Director
Finance Director
Commercial Director
Treasury Manager
Loan Officer
Company Secretary
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