The Short Form Loan Agreement is designed for use in the Australian market where parties require a straightforward but comprehensive lending arrangement. This document is particularly suitable for business loans, private lending arrangements, and situations where a full-length facility agreement would be unnecessarily complex. It includes essential provisions required under Australian law, including compliance with the National Consumer Credit Protection Act 2009 where applicable, while maintaining a concise format. The agreement covers key aspects such as loan amount, interest calculations, repayment terms, security (if any), and events of default, while being adaptable to various lending scenarios. It's structured to provide adequate protection for both lender and borrower while avoiding the complexity of more sophisticated facility agreements.
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1. Parties: Identifies the lender and borrower with their full legal names and addresses
2. Background: Brief context of the loan arrangement and purpose
3. Definitions: Key terms used throughout the agreement
4. Loan Amount and Purpose: Specifies the principal amount and permitted use of the loan funds
5. Interest Rate: Details of the applicable interest rate, calculation method, and payment frequency
6. Repayment Terms: Repayment schedule, payment amounts, and payment methods
7. Security: Details of any security or collateral for the loan
8. Events of Default: Circumstances constituting default and consequences
9. Representations and Warranties: Basic statements of fact and promises by the borrower
10. General Provisions: Standard contract clauses including governing law, notices, and amendments
1. Guarantor Provisions: Include when a guarantor is securing the loan
2. Early Repayment: Include when early repayment is permitted with specific terms
3. Draw Down Conditions: Include for loans with multiple draw downs or specific conditions for access
4. Insurance Requirements: Include when specific insurance must be maintained by the borrower
5. Special Conditions: Include when there are unique terms specific to this loan
6. Financial Covenants: Include when specific financial ratios or conditions must be maintained
1. Schedule 1 - Loan Details: Key commercial terms including loan amount, interest rate, and payment dates
2. Schedule 2 - Repayment Schedule: Detailed breakdown of repayment amounts and dates
3. Schedule 3 - Security Details: Description of any security or collateral provided
4. Schedule 4 - Special Conditions: Any special terms or conditions applicable to the loan
5. Appendix A - Form of Draw Down Notice: Standard form for requesting loan disbursements if applicable
6. Appendix B - Direct Debit Authority: Form for automatic payment arrangements
Relevant legal definitions
Clauses
Relevant Industries
Financial Services
Banking
Small Business
Real Estate
Construction
Retail
Manufacturing
Professional Services
Agriculture
Technology
Healthcare
Education
Relevant Teams
Legal
Finance
Credit
Risk
Compliance
Commercial
Treasury
Business Development
Banking
Operations
Relevant Roles
Legal Counsel
Finance Manager
Credit Manager
Loan Officer
Commercial Manager
Risk Manager
Compliance Officer
Business Development Manager
Contract Administrator
Financial Controller
Chief Financial Officer
Company Secretary
Banking Relationship Manager
Credit Analyst
Treasury Manager
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