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A Financing Agreement is a legally binding contract where one party provides funding to another, setting out all the key terms of the loan or credit facility. In Hong Kong's financial sector, these agreements typically detail the loan amount, interest rates, repayment schedule, and any security arrangements like mortgages or charges over assets.

Common in both corporate lending and project finance, these agreements must comply with Hong Kong's Money Lenders Ordinance and Banking Ordinance. They often include specific provisions for events of default, representations and warranties, and conditions precedent that need to be satisfied before funds are released. The agreement protects both lender and borrower by clearly documenting their rights and obligations.

Use a Financing Agreement when your business needs to secure funding through loans, credit facilities, or other financing arrangements in Hong Kong. This document becomes essential for major purchases, expansion projects, or when seeking working capital from banks, financial institutions, or private lenders.

The agreement proves particularly valuable during complex transactions like property development, equipment financing, or corporate acquisitions. It helps protect both parties by clearly documenting interest rates, repayment terms, and security arrangements under Hong Kong's Banking Ordinance. Having this agreement in place before transferring any funds prevents disputes and ensures compliance with local lending regulations.

• Equity Financing Agreement: Used when investors provide capital in exchange for company shares, common in startup funding and corporate expansions
• Loan Offset Agreement: Addresses situations where existing debts are balanced against each other, often used in corporate group arrangements
• Intra Group Agreement Data Protection: Specializes in handling data protection aspects of financing between related companies under Hong Kong's data privacy laws

• Banks and Financial Institutions: Act as primary lenders, drafting and executing Financing Agreements while ensuring compliance with Hong Kong Monetary Authority regulations
• Corporate Borrowers: Companies seeking capital for expansion, acquisitions, or operational needs, often represented by their CFOs and legal teams
• Legal Counsel: Both in-house and external lawyers who draft, review, and negotiate agreement terms
• Company Directors: Authorize and execute agreements on behalf of their organizations
• Security Trustees: Manage collateral and security arrangements in complex financing structures

• Loan Details: Gather exact financing amount, interest rates, and repayment schedule, including any grace periods
• Party Information: Compile full legal names, registration numbers, and addresses of all involved parties
• Security Arrangements: Document all collateral details, including property valuations or asset descriptions
• Conditions Precedent: List requirements that must be met before funding, such as board approvals or licenses
• Default Provisions: Define specific events triggering default and corresponding remedies under Hong Kong law
• Document Generation: Use our platform to create a customized, legally-sound agreement that includes all mandatory elements

• Identification Section: Full legal names, addresses, and registration details of all parties involved
• Loan Terms: Principal amount, interest rate, payment schedule, and currency specifications
• Security Provisions: Details of collateral, guarantees, or other security arrangements
• Events of Default: Clear definitions of default scenarios and corresponding remedies
• Representations & Warranties: Statements about parties' legal capacity and authority
• Governing Law: Explicit statement choosing Hong Kong law and jurisdiction
• Execution Block: Proper signature sections complying with Hong Kong's e-signature laws

A Financing Agreement differs significantly from a Bond Issuance Agreement in several key aspects, though both are funding instruments in Hong Kong's financial markets. While Financing Agreements typically involve direct lending relationships, Bond Issuance Agreements focus on raising capital through tradable debt securities.

• Structure and Parties: Financing Agreements are bilateral between lender and borrower, while Bond Issuances involve multiple investors and often require trustees
• Regulatory Requirements: Bond issuances face stricter SFC oversight and listing requirements compared to private financing arrangements
• Transferability: Bonds are designed to be freely tradable in secondary markets; Financing Agreements typically require lender consent for assignment
• Documentation Complexity: Bond issuances need extensive disclosure documents and prospectuses; Financing Agreements are more straightforward in documentation