A Revolving Credit Agreement is commonly used when businesses need flexible access to working capital or require ongoing funding for operational needs. This agreement type, governed by English and Welsh law, provides borrowers with the ability to draw down funds up to a predetermined limit, repay, and then re-borrow as needed. The document typically includes detailed provisions on facility mechanics, conditions for drawdown, interest calculations, representations and warranties, and both financial and non-financial covenants. It must comply with UK banking regulations, including FCA requirements and the Financial Services and Markets Act 2000.
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1. Parties: Identification of lender(s) and borrower(s)
2. Background: Context and purpose of the facility
3. Definitions: Key terms used throughout the agreement
4. The Facility: Terms of the revolving credit facility including amount, purpose, and availability
5. Conditions Precedent: Conditions that must be satisfied before drawdown
6. Interest and Fees: Interest calculation, payment terms, and applicable fees
7. Repayment: Terms for repayment of drawings
8. Representations and Warranties: Statements of fact and assurances given by the borrower
9. Covenants: Ongoing obligations of the borrower
1. Security: Terms of any security arrangements (include when facility is secured)
2. Guarantees: Terms of any guarantees provided (include when third-party guarantees are required)
3. Syndication Provisions: Terms governing multiple lenders (include for syndicated facilities)
1. Form of Drawdown Request: Standard form for requesting drawings under the facility
2. Conditions Precedent Documents: List of required documents and conditions
3. Form of Transfer Certificate: Standard form for transferring commitments between lenders
4. Repayment Schedule: Schedule of repayment dates and amounts (if applicable)
5. Fee Schedule: Detailed breakdown of applicable fees
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