The International Loan Agreement is a sophisticated financial instrument used when establishing cross-border lending arrangements under Canadian jurisdiction. It is typically employed when Canadian financial institutions or corporations extend loans to foreign entities, or when international lenders provide financing to Canadian borrowers. The agreement must comply with Canadian federal banking laws, including the Bank Act and Interest Act, while also considering international banking standards and foreign regulatory requirements. This document includes comprehensive provisions for loan facility details, security arrangements, covenant packages, and cross-border enforcement mechanisms. It is particularly crucial for managing international financial relationships while ensuring compliance with Canadian legal requirements and incorporating necessary protections for dealing with multiple jurisdictions.
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1. Parties: Identification of the lender and borrower, including full legal names, registration details, and addresses
2. Background: Context of the loan agreement, including purpose and any relevant pre-existing relationships
3. Definitions and Interpretation: Definitions of key terms used throughout the agreement and rules for interpreting the agreement
4. The Facility: Details of the loan facility including amount, purpose, and any tranches
5. Conditions Precedent: Conditions that must be satisfied before the loan becomes available
6. Drawdown: Procedures and requirements for requesting and receiving loan disbursements
7. Interest: Interest rate, calculation method, payment dates, and default interest provisions
8. Repayment: Repayment schedule, prepayment provisions, and payment mechanics
9. Representations and Warranties: Statements of fact and assurances given by the borrower
10. Covenants: Ongoing obligations of the borrower during the loan term
11. Events of Default: Circumstances constituting default and consequences thereof
12. Changes to Parties: Rules regarding assignment and transfer of rights and obligations
13. Notices: Communication procedures between parties
14. Governing Law and Jurisdiction: Choice of law and jurisdiction for dispute resolution
15. Execution: Signature blocks and execution requirements
1. Security: Include when the loan is secured by collateral or guarantees
2. Guarantees: Include when there are third-party guarantors for the loan
3. Currency Provisions: Include for multi-currency facilities or when currency conversion is relevant
4. Tax Gross-Up and Indemnities: Include when tax implications need specific addressing
5. Increased Costs and Market Disruption: Include for longer-term loans or when market volatility protection is needed
6. Set-off Rights: Include when parties maintain banking relationships beyond the loan
7. Agent and Security Trustee Provisions: Include in syndicated loans or when security is held by a trustee
8. Subordination: Include when the loan needs to be ranked relative to other debt
9. Anti-corruption and Sanctions: Include when cross-border elements require specific compliance provisions
1. Form of Drawdown Request: Template for borrower to request loan disbursements
2. Conditions Precedent Documents: List of required documents and conditions to be satisfied
3. Repayment Schedule: Detailed amortization schedule if applicable
4. Form of Transfer Certificate: Template for transferring loan participation
5. Security Details: Details of any collateral or security arrangements
6. Addresses for Notices: Contact details and communication protocols
7. Form of Compliance Certificate: Template for periodic compliance reporting
8. Interest Calculation Examples: Examples showing how interest will be calculated
9. Existing Encumbrances: List of pre-existing security interests or liens
10. Form of Legal Opinions: Template legal opinions required from counsel
Authors
Relevant legal definitions
Clauses
Relevant Industries
Banking and Financial Services
International Trade
Manufacturing
Real Estate
Energy and Resources
Infrastructure
Technology
Healthcare
Telecommunications
Mining
Agriculture
Transportation and Logistics
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
International Banking
Credit
Corporate Finance
Transaction Management
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Compliance Officer
Risk Manager
Corporate Banking Manager
International Business Development Manager
Credit Risk Officer
Financial Controller
Corporate Secretary
Banking Relationship Manager
Loan Officer
Transaction Manager
Senior Finance Manager
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