The Loan Agreement Term Sheet is a crucial preliminary document used in Pakistan's banking and financial services sector to establish the fundamental terms and conditions of a proposed loan facility. It serves as a roadmap for the preparation of detailed loan documentation and is typically issued after initial commercial discussions but before the preparation of full facility documentation. While generally non-binding, it contains the essential commercial terms, conditions precedent, and basic legal framework that will govern the loan relationship. The document must align with Pakistani banking regulations, including State Bank of Pakistan directives, and may need to accommodate both conventional and Islamic banking principles depending on the nature of the transaction. This term sheet is particularly important in complex financing arrangements where multiple parties need to agree on key terms before proceeding with detailed documentation.
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1. Parties: Identification of the lender and borrower with full legal names and addresses
2. Background: Brief context of the loan transaction and relationship between parties
3. Definitions: Key terms used throughout the term sheet
4. Facility Amount: The principal amount of the loan being offered
5. Purpose: Specified use of the loan proceeds
6. Interest Rate: Applicable interest rate, calculation method, and payment frequency
7. Term and Repayment: Duration of the loan and repayment schedule
8. Fees: All applicable fees including arrangement fees, commitment fees, and processing charges
9. Conditions Precedent: Conditions that must be satisfied before loan disbursement
10. Security: Overview of required security or collateral
11. Representations and Warranties: Standard declarations made by the borrower
12. Key Covenants: Essential financial and non-financial obligations of the borrower
13. Events of Default: Circumstances that would trigger default
14. Governing Law: Confirmation of Pakistani law as governing law
1. Islamic Banking Provisions: Required if the loan is to be Shariah-compliant
2. Syndication Rights: Include if the lender may want to syndicate the loan
3. Currency Provisions: Required for foreign currency loans
4. Group Company Guarantees: Include if parent/group company guarantees are required
5. Insurance Requirements: Detailed if specific insurance coverage is required for security assets
6. Step-In Rights: Include for project finance or significant corporate loans
7. Hedging Requirements: Include if interest rate or currency hedging is mandatory
8. Additional Security Rights: Include if complex security structure is contemplated
1. Repayment Schedule: Detailed breakdown of repayment dates and amounts
2. Security Details: Comprehensive list and description of all security to be provided
3. Conditions Precedent Checklist: Detailed list of all required documents and conditions
4. Fee Schedule: Breakdown of all fees, charges, and their calculation methods
5. Form of Drawdown Notice: Template for requesting loan disbursements
6. Financial Covenants Calculations: Formulas and methods for calculating financial covenants
7. Permitted Security Interests: List of security interests that will be allowed to exist
8. Required Insurance: Details of mandatory insurance coverage if applicable
Authors
Relevant legal definitions
Clauses
Relevant Industries
Banking and Financial Services
Corporate Finance
Real Estate and Construction
Manufacturing and Industrial
Technology and Telecommunications
Energy and Infrastructure
Healthcare
Agriculture
Retail and Consumer Goods
Transportation and Logistics
Education
Hospitality and Tourism
Relevant Teams
Legal
Finance
Treasury
Corporate Banking
Credit Risk
Compliance
Corporate Finance
Business Development
Investment
Operations
Company Secretariat
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Corporate Finance Manager
Legal Counsel
Banking Relationship Manager
Credit Risk Manager
Loan Officer
Corporate Banking Manager
Compliance Officer
Financial Controller
Business Development Manager
Investment Manager
Company Secretary
Managing Director
Chief Executive Officer
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