The Revolving Credit Loan Agreement is a fundamental financing document used when a borrower requires flexible access to credit over an extended period. This agreement, governed by Hong Kong law, establishes a facility where the borrower can repeatedly draw down funds up to a maximum limit, repay them, and draw again as needed. It's particularly suitable for businesses with cyclical cash flows or varying working capital needs. The document includes comprehensive provisions covering facility terms, security arrangements, covenant packages, and operational mechanics, all aligned with Hong Kong banking regulations and market practice. The agreement can be tailored for various business sizes and sectors, from small enterprises to large corporations, and can accommodate both bilateral and syndicated lending structures. Key considerations include compliance with the Hong Kong Banking Ordinance, Money Lenders Ordinance, and other relevant financial regulations.
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1. Parties: Identifies the lender(s), borrower(s), and any guarantors or security providers
2. Background: Explains the context of the facility and purpose of the loan
3. Definitions and Interpretation: Defines key terms and establishes interpretation principles
4. The Facility: Details the nature, purpose, and amount of the revolving credit facility
5. Conditions Precedent: Lists documents and conditions required before initial and subsequent drawdowns
6. Drawdown: Specifies drawdown mechanics, notice requirements, and availability periods
7. Interest: Sets out interest calculation, payment dates, and default interest provisions
8. Repayment and Prepayment: Details repayment terms, prepayment rights, and redraws
9. Fees and Expenses: Lists all applicable fees, costs, and expense reimbursement obligations
10. Representations and Warranties: Contains standard and transaction-specific representations
11. Information Undertakings: Specifies financial and other information to be provided to the lender
12. General Undertakings: Sets out positive and negative covenants
13. Events of Default: Lists circumstances constituting default and consequences
14. Changes to Parties: Covers assignment and transfer provisions
15. Administration: Contains payment mechanics, calculations, and notices provisions
16. Governing Law and Enforcement: Specifies governing law and jurisdiction
1. Security: Required if the facility is secured - details security arrangements and enforcement rights
2. Guarantee: Required if there are guarantors - contains guarantee provisions and limitations
3. Financial Covenants: Include if specific financial ratios or tests are required
4. Agency and Trust: Required for syndicated facilities with multiple lenders
5. Set-off Rights: Include if specific set-off rights are required beyond standard provisions
6. Increased Costs and Tax Gross-up: Include for sophisticated borrowers or cross-border transactions
7. Market Disruption: Include for HIBOR-based facilities or where market disruption protection is needed
8. Anti-corruption and Sanctions: Include for compliance with international banking requirements
1. Conditions Precedent: Detailed list of required documents and conditions
2. Form of Drawdown Request: Template for borrower to request drawdowns
3. Form of Selection Notice: Template for selecting interest periods if applicable
4. Calculation of Interest Rates: Detailed provisions for interest calculations and screen rates
5. Form of Transfer Certificate: Template for transferring loan participations
6. Form of Compliance Certificate: Template for periodic compliance certification
7. Existing Security: List of permitted existing security if applicable
8. Group Structure: Corporate structure chart of borrower group if applicable
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