The Shareholder Loan Note is a crucial financing instrument in New Zealand's corporate landscape, commonly used when companies seek additional funding from existing shareholders as an alternative to external financing or equity raising. This document type is particularly relevant when a company requires capital injection but wishes to maintain existing shareholding proportions or avoid immediate equity dilution. The loan note structure provides flexibility in terms of interest rates and repayment terms while complying with New Zealand's regulatory requirements, including the Companies Act 1993 and tax legislation. It can be tailored to include various features such as conversion rights, security arrangements, or subordination provisions, making it suitable for both early-stage companies and established businesses seeking growth capital or working capital funding.
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1. Parties: Identification of the Lender (Shareholder) and the Borrower (Company)
2. Background: Context of the loan arrangement and relationship between the parties
3. Definitions and Interpretation: Key terms used throughout the document and rules for interpretation
4. Loan Amount and Drawdown: Specification of the loan amount and conditions for drawdown
5. Interest: Interest rate, calculation method, and payment terms
6. Repayment Terms: Principal repayment schedule, early repayment provisions, and payment mechanics
7. Representations and Warranties: Standard company representations regarding capacity and authority
8. Events of Default: Circumstances constituting default and consequences
9. Notices: Communication requirements and contact details
10. General Provisions: Standard boilerplate clauses including governing law, assignment, and amendments
1. Security: Required if the loan is to be secured against company assets
2. Subordination: Needed if the loan is to be subordinated to other company debt
3. Conversion Rights: Include if the loan note can be converted to equity
4. Tax Gross-Up: Include if tax implications need to be addressed specifically
5. Shareholder Consent Requirements: Include if certain company actions require lender approval during the loan term
6. Information Rights: Include if the lender requires specific financial reporting or information access
7. Transfer Provisions: Include if the loan note can be transferred to other parties
1. Loan Details: Detailed breakdown of loan amount, interest rate, and key dates
2. Repayment Schedule: Detailed amortization schedule if applicable
3. Form of Drawdown Notice: Template for requesting loan disbursement
4. Security Details: Description of any security or charges if applicable
5. Calculation of Interest: Detailed methodology for interest calculations if complex
6. Form of Transfer Certificate: Template for transferring the loan note if transferable
Authors
Relevant legal definitions
Clauses
Relevant Industries
Technology
Real Estate
Manufacturing
Retail
Professional Services
Healthcare
Agriculture
Construction
Mining
Energy
Financial Services
Media and Entertainment
Hospitality
Transportation and Logistics
Relevant Teams
Legal
Finance
Corporate Finance
Treasury
Compliance
Risk Management
Board of Directors
Company Secretariat
Shareholder Relations
Investment
Relevant Roles
Chief Executive Officer
Chief Financial Officer
Finance Director
Company Secretary
Legal Counsel
Corporate Lawyer
Financial Controller
Treasury Manager
Investment Manager
Board Director
Company Director
Shareholder Relations Manager
Corporate Finance Manager
Compliance Officer
Risk Manager
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