The Corporate Loan Agreement serves as the primary documentation for commercial lending transactions in Canada, establishing the legal framework for corporate financing arrangements between financial institutions and corporate borrowers. This document is essential when a company seeks debt financing for various corporate purposes such as working capital, acquisitions, expansion, or refinancing existing debt. The agreement must comply with Canadian federal banking regulations, provincial security laws, and corporate legislation. It includes comprehensive provisions covering facility terms, conditions precedent, representations, covenants, and security arrangements. The document is structured to accommodate both bilateral and syndicated lending arrangements, with flexibility to incorporate various security structures and guarantee arrangements. It addresses specific Canadian legal requirements including interest rate calculations under the Interest Act, security registration under provincial Personal Property Security Acts, and corporate authorization requirements under relevant corporate statutes.
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1. Parties: Identification of the lender(s) and borrower(s), including registration details
2. Background: Context of the loan arrangement and purpose of the facility
3. Definitions and Interpretation: Defined terms, rules of interpretation, and currency conventions
4. The Facility: Details of the loan facility, including amount, purpose, and availability
5. Conditions Precedent: Conditions that must be satisfied before drawdown
6. Drawdown: Procedures and requirements for drawing the loan
7. Interest: Interest calculation, payment dates, and default interest provisions
8. Repayment: Terms of repayment, including scheduled payments and prepayment provisions
9. Representations and Warranties: Borrower's statements of fact and assurances
10. Covenants: Positive and negative obligations of the borrower
11. Events of Default: Circumstances constituting default and consequences
12. Changes to Parties: Assignment and transfer provisions
13. Administration: Payment mechanics, calculations, and notices
14. Governing Law and Jurisdiction: Choice of law and dispute resolution provisions
15. Boilerplate: Standard legal provisions including severability, amendments, and counterparts
1. Security: Include when loan is secured - details of security arrangements and enforcement
2. Guarantees: Include when there are guarantors - terms of guarantee and guarantor obligations
3. Syndication Provisions: Include for syndicated loans - roles of facility agent and security trustee
4. Increased Costs and Tax Gross-up: Include for complex corporate loans - provisions for changing regulatory costs
5. Market Disruption: Include for floating rate loans - provisions for market disruption events
6. Accordion Feature: Include if facility may be increased - terms for increasing facility amount
7. Multi-currency Provisions: Include for multi-currency facilities - currency conversion and availability
8. Anti-Corruption Laws: Include for international borrowers - compliance with anti-corruption laws
1. Schedule 1 - Conditions Precedent Documents: List of required documents and conditions for initial drawdown
2. Schedule 2 - Form of Drawdown Request: Template for borrower to request loan disbursement
3. Schedule 3 - Repayment Schedule: Detailed schedule of repayment dates and amounts
4. Schedule 4 - Financial Covenants: Detailed financial covenants and calculation methods
5. Schedule 5 - Form of Compliance Certificate: Template for periodic compliance certification
6. Schedule 6 - Form of Transfer Certificate: Template for transferring loan participations
7. Schedule 7 - Existing Security: List of existing security interests and encumbrances
8. Schedule 8 - Borrower Group Structure: Corporate structure chart of borrower group
9. Appendix A - Loan Pricing: Detailed interest rate and fee calculations
10. Appendix B - Addresses for Notices: Contact details for all parties
Relevant legal definitions
Clauses
Relevant Industries
Banking & Financial Services
Commercial Real Estate
Manufacturing
Retail
Technology
Healthcare
Energy & Resources
Infrastructure
Transportation & Logistics
Telecommunications
Agriculture
Professional Services
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit
Corporate Secretariat
Commercial Banking
Syndications
Operations
Relevant Roles
Chief Financial Officer
Treasury Manager
Corporate Finance Director
Legal Counsel
Banking Relationship Manager
Credit Risk Manager
Loan Officer
Compliance Officer
Corporate Secretary
Finance Manager
Commercial Banking Director
Transaction Manager
Security Trustee Officer
Syndications Manager
Corporate Banking Executive
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