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1. Parties: Identification of the lender and borrower with full legal names and registration details
2. Background: Brief context of the facility arrangement and purpose
3. Definitions and Interpretation: Comprehensive definitions of terms used in the agreement and interpretation rules
4. The Facility: Details of the facility amount, purpose, and availability period
5. Interest and Fees: Interest rate, calculation method, payment dates, and applicable fees
6. Drawdown: Conditions and procedures for utilizing the facility
7. Repayment and Prepayment: Terms for repayment, prepayment rights and consequences
8. Conditions Precedent: Documents and conditions required before facility utilization
9. Representations and Warranties: Borrower's statements of fact and assurances
10. Covenants: Positive and negative undertakings of the borrower
11. Events of Default: Circumstances constituting default and consequences
12. Changes to Parties: Rules regarding assignment and transfer rights
13. Payments: Payment mechanics, currency, and set-off rights
14. Notices: Communication procedures between parties
15. General Provisions: Miscellaneous legal provisions including governing law and jurisdiction
1. Security: Required if the facility is secured, detailing the security structure and enforcement rights
2. Guarantee: Required if there are corporate or personal guarantors for the facility
3. Islamic Banking Provisions: Required if the facility is Shariah-compliant, including relevant Islamic banking principles
4. Multi-currency Provisions: Required if the facility can be drawn in multiple currencies
5. Group Borrower Provisions: Required if multiple group companies can utilize the facility
6. Property Related Provisions: Required if the facility is linked to specific property or real estate
7. Insurance: Required if specific insurance coverage is mandatory for the facility
8. Subordination: Required if there are multiple lenders or intercreditor arrangements
1. Conditions Precedent: Detailed list of required documents and conditions
2. Form of Drawdown Notice: Template for borrower's utilization requests
3. Calculation of Interest: Detailed interest calculation methodology and examples
4. Repayment Schedule: If term facility component exists, detailed repayment dates and amounts
5. Form of Compliance Certificate: Template for periodic financial covenant compliance reporting
6. Security Documents: List and copies of all security documentation
7. Permitted Security: List of security interests permitted to exist
8. Group Structure: Corporate structure chart of borrower group if relevant
9. Existing Facilities: Details of borrower's existing financing arrangements
Manufacturing
Trading
Retail
Construction
Technology
Agriculture
Healthcare
Logistics
Food and Beverage
Services
Wholesale
E-commerce
Real Estate
Automotive
Textile
Legal
Finance
Treasury
Credit Risk
Compliance
Corporate Banking
Operations
Risk Management
Company Secretarial
Corporate Finance
Chief Financial Officer
Finance Director
Treasury Manager
Financial Controller
Corporate Lawyer
Legal Counsel
Relationship Manager
Credit Officer
Risk Manager
Compliance Officer
Company Secretary
Managing Director
Corporate Banking Manager
Finance Manager
Account Manager
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