The Small Business Loan Agreement is a crucial financial instrument used in Pakistan when a financial institution provides credit facilities to small and medium-sized enterprises. It serves as the primary documentation for business loans, typically ranging from small working capital facilities to larger expansion financing. The agreement must comply with Pakistani banking laws and regulations, including the State Bank of Pakistan's directives, while incorporating necessary provisions for loan security, repayment terms, and enforcement mechanisms. This document is essential for both lenders and borrowers as it clearly defines their rights and obligations, includes specific conditions for disbursement, repayment schedules, and default provisions, and ensures that the lending arrangement is legally enforceable under Pakistani law.
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Key Requirements PROMPT example:
Small Business Loan Agreement
"I need a Small Business Loan Agreement for a textile manufacturing business in Lahore, with a loan amount of PKR 5 million to be disbursed by March 2025, incorporating Islamic banking principles and including provisions for machinery as collateral."
1. Parties: Identification of the lender and borrower with complete details as required under Pakistani law
2. Background: Context of the loan agreement, purpose of the loan, and brief description of the business
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount, purpose, and any tranches if applicable
5. Interest Rate and Calculations: Details of interest rate, calculation method, and changes in reference rates if applicable
6. Repayment Terms: Repayment schedule, installment amounts, and payment methods
7. Security and Collateral: Details of security or collateral provided for the loan
8. Conditions Precedent: Conditions that must be satisfied before the loan is disbursed
9. Representations and Warranties: Standard declarations by the borrower about their business and financial status
10. Borrower Covenants: Positive and negative obligations of the borrower during the loan term
11. Events of Default: Circumstances that constitute default and consequences thereof
12. Lender's Rights and Remedies: Actions the lender can take in case of default or breach
13. Governing Law and Jurisdiction: Specification of Pakistani law as governing law and jurisdiction details
1. Guarantees: Required when there are personal or corporate guarantors for the loan
2. Insurance Requirements: Detailed when specific insurance coverage is required for the business or collateral
3. Special Conditions: Used when there are industry-specific or business-specific conditions to be met
4. Pre-payment Terms: Include when early repayment options are available
5. Post-Dated Cheques: Required when loan repayment is secured by post-dated cheques
6. Cross-Default Provisions: Include when the borrower has other loans or financial obligations
7. Change in Ownership Provisions: Required for businesses where ownership changes might affect the loan
8. Islamic Banking Provisions: Required when the loan needs to comply with Islamic banking principles
1. Schedule 1 - Loan Disbursement Schedule: Detailed breakdown of loan disbursement dates and amounts
2. Schedule 2 - Repayment Schedule: Detailed amortization schedule with payment dates and amounts
3. Schedule 3 - Security Details: Detailed description of all security/collateral provided
4. Schedule 4 - Condition Precedent Documents: List of all documents required before loan disbursement
5. Schedule 5 - Fee Schedule: Breakdown of all applicable fees and charges
6. Schedule 6 - Insurance Requirements: Detailed insurance requirements and specifications
7. Appendix A - Business Plan: Summary of borrower's business plan and projections
8. Appendix B - Financial Statements: Borrower's financial statements and projections
Authors
Relevant legal definitions
Clauses
Relevant Industries
Retail
Manufacturing
Technology
Agriculture
Food and Beverage
Healthcare
Transportation
Construction
Professional Services
Wholesale Trade
Textiles
Education
Hospitality
E-commerce
Real Estate
Relevant Teams
Legal
Credit Risk
Compliance
Business Banking
Small Business Lending
Documentation
Recovery and Collections
Relationship Management
Operations
Risk Management
Relevant Roles
Credit Manager
Loan Officer
Business Banking Manager
Risk Assessment Officer
Legal Counsel
Compliance Officer
Branch Manager
Relationship Manager
Small Business Owner
CFO
Financial Controller
Business Development Manager
Credit Analyst
Documentation Officer
Recovery Officer
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