The Line of Credit Loan Agreement serves as the primary document governing revolving credit facilities in the United States. It is commonly used when businesses or individuals need flexible access to funds up to a predetermined limit. This agreement type is essential for establishing credit terms, security requirements, and compliance with federal and state lending regulations. The document typically includes detailed provisions for drawdown procedures, interest calculations, repayment obligations, and default scenarios, while ensuring compliance with jurisdiction-specific requirements including TILA, ECOA, and state banking laws.
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1. Parties: Identification of lender and borrower with full legal names and addresses
2. Background: Context of the agreement and relationship between parties
3. Definitions: Key terms used throughout the agreement
4. Facility Details: Credit limit, term, and purpose of the line of credit
5. Interest and Fees: Interest rate, calculation method, and applicable fees
6. Drawdown Provisions: Terms and conditions for accessing the credit line
7. Repayment Terms: Payment schedule, minimum payments, and prepayment provisions
8. Representations and Warranties: Statements of fact by borrower regarding their status and capacity
9. Events of Default: Circumstances constituting default and consequences
10. Governing Law: Specification of applicable law and jurisdiction
1. Security: Details of any collateral securing the loan - include when the line of credit is secured
2. Guarantees: Terms of any guarantees provided - include when third-party guarantees are required
3. Insurance Requirements: Required insurance coverage for collateral - include when collateral must be insured
4. Financial Covenants: Specific financial requirements and ratios to be maintained - include for corporate borrowers
1. Schedule A - Fee Schedule: Detailed breakdown of all applicable fees and charges
2. Schedule B - Draw Request Form: Standard form for requesting advances under the facility
3. Schedule C - Compliance Certificate: Form for periodic certification of compliance with agreement terms
4. Schedule D - Security Documentation: Details of security arrangements and UCC filings if applicable
5. Schedule E - Required Insurance: Detailed requirements for insurance coverage of any collateral
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