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1. Parties: Identification of the Lender and Borrower with complete details as required under Pakistani law
2. Background: Context of the loan agreement and relationship between parties
3. Definitions and Interpretation: Definitions of key terms and interpretation clauses
4. The Facility: Details of the loan amount, purpose, and nature of the on-demand facility
5. Conditions Precedent: Conditions that must be satisfied before the loan becomes available
6. Drawdown and Disbursement: Process and requirements for disbursement of the loan
7. Interest and Fees: Interest calculation, rate, and other applicable fees
8. Repayment: Terms of repayment including the on-demand nature of the loan
9. Security: Basic security arrangements for the loan
10. Representations and Warranties: Standard representations and warranties by the borrower
11. Covenants: Positive and negative covenants of the borrower
12. Events of Default: Circumstances constituting default and consequences
13. Demand and Enforcement: Process and circumstances for demanding repayment
14. General Provisions: Standard clauses including notices, amendments, and governing law
15. Execution: Signature blocks and attestation requirements
1. Guarantees: Required when there is a personal or corporate guarantor for the loan
2. Additional Security Arrangements: Used when specific assets or complex security structures are involved
3. Insurance: Required when specific insurance coverage is mandatory for the loan
4. Cross Default: Include when the borrower has other significant financial obligations
5. Assignment and Transfer: Include when either party may need to transfer rights under the agreement
6. Syndication: Required for loans that may be syndicated
7. Islamic Banking Provisions: Required when the loan needs to comply with Islamic banking principles
1. Schedule 1 - Loan Details: Detailed terms of the loan including amount, interest rate, and fees
2. Schedule 2 - Conditions Precedent Documents: List of required documents and conditions to be satisfied
3. Schedule 3 - Security Details: Detailed description of security arrangements and assets
4. Schedule 4 - Drawdown Notice Form: Template for requesting loan disbursement
5. Schedule 5 - Repayment Schedule: If applicable, template or details of repayment structure
6. Schedule 6 - Compliance Certificate: Form for periodic compliance certification by borrower
7. Appendix A - Required Authorizations: List of regulatory and corporate authorizations required
8. Appendix B - Form of Security Documents: Templates or forms for related security documentation
Banking and Financial Services
Commercial Real Estate
Manufacturing
Retail
Technology
Agriculture
Healthcare
Construction
Energy
Transportation and Logistics
Telecommunications
Small and Medium Enterprises
Trading and Distribution
Legal
Finance
Credit
Risk Management
Compliance
Treasury
Corporate Banking
Islamic Banking
Operations
Documentation
Chief Financial Officer
Finance Director
Legal Counsel
Credit Manager
Risk Manager
Compliance Officer
Banking Relationship Manager
Treasury Manager
Financial Controller
Corporate Banking Officer
Credit Risk Officer
Legal Manager
Company Secretary
Finance Manager
Loan Officer
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