The Line of Credit Agreement is a fundamental financing document used when a borrower requires flexible access to funding over an extended period. This agreement, governed by New Zealand law, establishes a revolving credit facility where the borrower can repeatedly draw down funds up to an agreed maximum limit, repay them, and borrow again. It's commonly used for business working capital, project financing, or ongoing operational needs. The document must comply with New Zealand's financial services regulatory framework, including the Credit Contracts and Consumer Finance Act 2003, Fair Trading Act 1986, and relevant banking regulations. It includes comprehensive terms covering facility limits, interest calculations, security arrangements, drawdown mechanisms, borrower covenants, and default provisions.
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1. Parties: Identification of the lender and borrower with full legal names and details
2. Background: Context of the agreement and general purpose of the line of credit
3. Definitions: Definitions of key terms used throughout the agreement
4. Facility Details: Core terms including credit limit, purpose, and availability period
5. Interest and Fees: Interest rate calculations, fees structure, and payment terms
6. Drawdown: Procedures and conditions for accessing the credit facility
7. Repayment Terms: Requirements for repayment including minimum payments and payment methods
8. Conditions Precedent: Conditions that must be satisfied before the facility becomes available
9. Representations and Warranties: Statements of fact and assurances given by the borrower
10. Covenants: Ongoing obligations of the borrower during the term of the facility
11. Events of Default: Circumstances that constitute default and their consequences
12. General Provisions: Standard legal provisions including notices, amendments, and governing law
1. Security: Terms of any security arrangements - include when the facility is secured
2. Guarantees: Terms of any guarantees - include when there are guarantors
3. Multiple Borrowers: Additional provisions for joint and several liability - include with multiple borrowers
4. Review and Variation: Terms for periodic review of facility - include for commercial arrangements
5. Special Drawing Rights: Special access conditions - include for specialized industry facilities
6. Foreign Currency Provisions: Terms for foreign currency drawings - include if multiple currencies allowed
7. Electronic Banking Arrangements: Online banking access terms - include if electronic access provided
1. Schedule 1 - Facility Terms: Detailed financial terms including credit limit, interest rates, and fees
2. Schedule 2 - Conditions Precedent: Detailed list of required documents and conditions
3. Schedule 3 - Drawing Notice: Form of drawdown request
4. Schedule 4 - Compliance Certificate: Template for periodic compliance reporting
5. Schedule 5 - Security Details: Details of any security arrangements and secured assets
6. Appendix A - Fee Schedule: Comprehensive list of all applicable fees and charges
7. Appendix B - Interest Rate Calculation Methods: Detailed explanation of interest calculations
8. Appendix C - Required Forms: Collection of standard forms for facility operation
Relevant legal definitions
Clauses
Relevant Industries
Banking and Financial Services
Commercial Real Estate
Retail
Manufacturing
Agriculture
Technology
Healthcare
Construction
Professional Services
Hospitality
Transport and Logistics
Education
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Credit Assessment
Corporate Banking
Commercial Lending
Business Operations
Account Management
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Financial Controller
Credit Manager
Commercial Lawyer
Legal Counsel
Risk Manager
Relationship Manager
Credit Analyst
Compliance Officer
Banking Manager
Corporate Finance Manager
Business Development Manager
Account Manager
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