The Revolving Credit Loan Agreement is a fundamental financing document used when a borrower requires flexible access to credit that can be drawn, repaid, and redrawn over time. This agreement type is particularly valuable for businesses with cyclical cash flows or varying working capital needs. Under Indian law, these agreements must comply with the Banking Regulation Act, RBI guidelines, and other relevant financial regulations. The document typically includes comprehensive provisions on facility limits, drawdown mechanics, interest calculations, repayment terms, security arrangements (if applicable), and events of default. It's commonly used by banks and financial institutions in India for providing working capital finance to corporate borrowers while ensuring adequate protection of the lender's interests and compliance with regulatory requirements.
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1. Parties: Identification of the lender(s) and borrower(s) with full legal names and addresses
2. Background: Context of the revolving credit facility and purpose of the loan
3. Definitions and Interpretation: Defined terms, interpretation rules, and construction principles
4. The Facility: Details of the revolving credit facility, including amount, purpose, and availability period
5. Conditions Precedent: Conditions that must be satisfied before drawdown
6. Drawdown Mechanics: Procedures and requirements for utilization of the facility
7. Interest: Interest rate, calculation method, payment periods, and default interest
8. Repayment and Prepayment: Terms for repayment, prepayment rights and obligations
9. Representations and Warranties: Statements of fact and assurances given by the borrower
10. Information Undertakings: Borrower's obligations to provide financial and other information
11. General Undertakings: Borrower's positive and negative covenants
12. Events of Default: Circumstances constituting default and consequences
13. Changes to Parties: Rules for assignment, transfer, and succession
14. Administration: Payment mechanics, calculations, and notices
15. Governing Law and Jurisdiction: Choice of Indian law and jurisdiction provisions
1. Security: Details of any security or collateral - include if the facility is secured
2. Guarantee: Terms of any guarantee - include if there are guarantors
3. Agent and Security Trustee Provisions: Include for syndicated facilities with multiple lenders
4. Corporate Requirements: Additional provisions for corporate borrowers including constitutional requirements
5. Market Disruption: Provisions dealing with market disruption events - include for LIBOR/external benchmark based facilities
6. Increased Costs and Tax Provisions: Detailed tax and cost provisions - include for larger or cross-border facilities
7. Set-off Rights: Detailed set-off provisions - include if the lender has other banking relationships with borrower
8. Digital Documentation: Provisions for electronic execution and records - include if digital documentation is contemplated
1. Form of Drawdown Request: Standard form for requesting utilization of the facility
2. Conditions Precedent Documents: List of required documents and conditions to be satisfied
3. Calculation of Interest Rate: Detailed methodology for interest calculation
4. Form of Compliance Certificate: Template for periodic compliance certification
5. Security Documents: Forms of security documentation if applicable
6. Repayment Schedule: Schedule of repayment dates and amounts if applicable
7. Contact Details: Administrative and notice details for all parties
8. Form of Transfer Certificate: Standard form for transferring interests in the facility
Relevant legal definitions
Clauses
Relevant Industries
Banking & Financial Services
Manufacturing
Real Estate & Construction
Retail & Consumer Goods
Information Technology
Healthcare
Infrastructure
Agriculture
Hospitality
Energy & Utilities
Transportation & Logistics
Telecommunications
Relevant Teams
Legal
Finance
Treasury
Credit Risk
Compliance
Corporate Banking
Operations
Business Development
Corporate Finance
Risk Management
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Corporate Banker
Relationship Manager
Credit Risk Manager
Legal Counsel
Company Secretary
Finance Manager
Credit Analyst
Compliance Officer
Business Development Manager
Corporate Finance Manager
Financial Controller
Banking Operations Manager
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