A Business Loan Term Sheet is a crucial preliminary document used in Malaysian commercial lending transactions to establish the fundamental terms of a proposed loan facility. It serves as a roadmap for the final loan agreement and is typically issued after initial credit approval but before detailed documentation begins. The document encompasses key commercial and legal terms including facility amount, purpose, interest rates, fees, security structure, and major covenants, all aligned with Malaysian banking regulations and Bank Negara Malaysia guidelines. While generally non-binding except for certain provisions like confidentiality and exclusivity, it forms the basis for negotiating and preparing the final loan documentation.
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1. Transaction Summary: Overview of the proposed loan facility including date, parties, and contact information
2. Facility Terms: Key terms including facility type, amount, purpose, and currency
3. Interest and Fees: Interest rate, calculation method, fees structure, and payment terms
4. Repayment Terms: Repayment schedule, prepayment provisions, and tenor of the loan
5. Security Structure: Required collateral, guarantees, and security arrangements
6. Conditions Precedent: Standard conditions that must be met before loan disbursement
7. Key Covenants: Essential financial and non-financial covenants
8. Events of Default: Basic events that would trigger default
9. Binding Effect: Statement of which terms are binding and non-binding
1. Hedging Requirements: Required when the loan involves foreign currency or interest rate hedging obligations
2. Islamic Finance Structure: Required for Shariah-compliant facilities, describing the Islamic finance structure
3. Syndication Rights: Include when the lender may want to syndicate the loan
4. Green Loan Provisions: Required for green loans or sustainability-linked facilities
5. Multi-currency Option: Include when the facility offers drawing in multiple currencies
6. Assignment Provisions: Include when transfer or assignment rights need to be specifically addressed
1. Indicative Repayment Schedule: Preliminary amortization table showing expected repayment dates and amounts
2. Fee Schedule: Detailed breakdown of all applicable fees and charges
3. Security Assets Schedule: List of assets to be provided as security
4. Financial Covenant Calculations: Formulas and definitions for financial covenant calculations
5. Conditions Precedent Checklist: Detailed list of required documents and conditions
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