The Commercial Finance Agreement serves as the primary documentation for financing arrangements between lenders and corporate borrowers in Indonesia. It is typically used when businesses require substantial funding for operations, expansion, or specific projects. The agreement must comply with Indonesian banking regulations, particularly those issued by the Financial Services Authority (OJK) and Bank Indonesia. It includes mandatory provisions regarding currency usage, language requirements, and security arrangements under Indonesian law. The document is essential for both domestic and cross-border financing transactions, incorporating necessary safeguards for lenders while ensuring borrower protections under Indonesian law. The agreement typically contains detailed provisions for drawdown mechanics, repayment terms, events of default, and security enforcement mechanisms, all structured to align with Indonesian legal requirements and market practice.
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1. Parties: Identification of the lender and borrower, including registration details as required under Indonesian law
2. Background: Context of the financing arrangement and relationship between parties
3. Definitions and Interpretation: Key terms used in the agreement, including Indonesian legal terms where relevant
4. Facility Amount and Purpose: Details of the financing amount, currency, and permitted use of funds
5. Conditions Precedent: Prerequisites for drawdown, including required OJK approvals and documentation
6. Drawdown Mechanics: Procedures and requirements for accessing the facility
7. Interest and Fees: Interest calculation, payment dates, and applicable fees
8. Repayment Terms: Schedule and mechanics of repayment, including prepayment provisions
9. Representations and Warranties: Standard and Indonesia-specific confirmations from the borrower
10. Covenants: Ongoing obligations of the borrower, including compliance with Indonesian regulations
11. Events of Default: Circumstances constituting default and consequences
12. Security: Core security provisions and enforcement mechanisms under Indonesian law
13. Payments and Calculations: Payment mechanics, currency provisions, and calculation methods
14. Changes to Parties: Transfer and assignment provisions, subject to Indonesian regulatory requirements
15. Governing Law and Jurisdiction: Indonesian law as governing law and jurisdiction provisions
16. Language: Dual language requirements and prevailing language as per Indonesian law
17. Notices: Communication methods and contact details
18. Execution: Signing requirements compliant with Indonesian law
1. Tax Provisions: Detailed tax provisions when cross-border elements are involved
2. Currency Conversion: Required when facility involves foreign currency
3. Regulatory Compliance: Additional regulatory provisions for regulated borrowers
4. Syndication Provisions: Required for syndicated facilities with multiple lenders
5. Islamic Finance Provisions: Required for Sharia-compliant financing
6. Insurance: Detailed insurance requirements when specific assets are financed
7. Project Completion: Required for project finance facilities
8. Environmental Compliance: Required for environmentally sensitive projects or sectors
9. Local Content Requirements: Required for certain regulated industries in Indonesia
1. Facility Details: Detailed terms of the facility including amounts, interest rates, and fees
2. Conditions Precedent Documents: List of required documentation and approvals
3. Form of Drawdown Request: Standard form for requesting disbursements
4. Repayment Schedule: Detailed amortization schedule if applicable
5. Security Documents: Forms of security documents and fiduciary arrangements
6. Financial Covenants: Detailed financial ratios and calculations
7. Permitted Security Interests: List of existing and permitted security interests
8. Form of Compliance Certificate: Template for periodic compliance reporting
9. Contact Details: Detailed contact information for all parties
10. Required Insurance: Detailed insurance requirements and minimum coverage
Relevant legal definitions
Clauses
Relevant Industries
Manufacturing
Real Estate
Infrastructure
Energy
Mining
Agriculture
Technology
Transportation
Healthcare
Retail
Hospitality
Construction
Telecommunications
Financial Services
Education
Logistics
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Corporate Banking
Credit Analysis
Business Development
Corporate Finance
Operations
Investment
Documentation
Regulatory Affairs
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Secretary
Risk Manager
Compliance Officer
Credit Manager
Banking Relationship Manager
Financial Controller
Business Development Director
Corporate Banking Officer
Investment Manager
Senior Loan Officer
Finance Manager
General Counsel
Managing Director
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