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1. Security Interest: Required when the loan is secured by collateral, detailing the assets pledged

2. Personal Guarantee: Include when personal guarantees from business owners or third parties are required

3. Insurance Requirements: Required when specific insurance coverage must be maintained

4. Prepayment Terms: Include when early repayment is allowed with specific terms or penalties

5. Cross-Default: Include when default on other obligations affects this loan

6. Financial Covenants: Required for loans with specific financial performance requirements

7. Subordination: Include when this loan must be subordinated to other debt or vice versa

8. Draw Down Provisions: Required for loans with multiple disbursements or credit line features

1. Schedule A - Payment Schedule: Detailed amortization schedule showing payment dates, amounts, and allocation between principal and interest

2. Schedule B - Collateral Description: Detailed description of any assets pledged as security

3. Schedule C - Financial Covenants Calculations: Formulas and methods for calculating required financial ratios

4. Schedule D - Permitted Liens: List of existing liens or encumbrances allowed under the agreement

5. Appendix 1 - Form of Draw Down Notice: Standard form for requesting loan disbursements

6. Appendix 2 - Compliance Certificate: Template for periodic certification of compliance with loan terms

7. Appendix 3 - Personal Guarantee Form: Standard form for personal guarantees when required