A Business Loan Agreement is a crucial document used when a business seeks to obtain financing from a financial institution in Ireland. This agreement serves as the primary contract governing the lending relationship, incorporating requirements from Irish banking laws, Central Bank regulations, and SME lending rules. It's particularly important for documenting commercial loans ranging from small business financing to large corporate facilities. The agreement details essential elements including loan amount, purpose, interest calculations, repayment structure, security arrangements, borrower covenants, and events of default. It must comply with Irish financial services legislation while protecting both lender and borrower interests through clear terms and conditions.
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1. Parties: Identifies and provides full details of the Lender and Borrower
2. Background: Explains the context and purpose of the loan
3. Definitions and Interpretation: Defines all key terms used in the agreement and sets out interpretation rules
4. The Facility: Details the amount, purpose, and basic terms of the loan
5. Conditions Precedent: Lists conditions that must be satisfied before the loan can be drawn
6. Drawdown: Specifies how and when the loan can be drawn down
7. Repayment: Sets out repayment terms, including schedule and methods
8. Interest: Details interest rate, calculation method, and payment terms
9. Fees and Expenses: Lists all applicable fees and cost responsibilities
10. Representations and Warranties: Statements of fact the borrower makes about its business and circumstances
11. Covenants: Ongoing obligations of the borrower during the loan term
12. Events of Default: Lists circumstances that would constitute a default and trigger remedies
13. Remedies: Sets out the lender's rights and remedies upon default
14. Changes to Parties: Provisions regarding assignment and transfer rights
15. Notices: Specifies how formal communications between parties should be made
16. General Provisions: Standard boilerplate clauses including governing law, jurisdiction, etc.
1. Security: Required when the loan is secured - details the security arrangements and enforcement rights
2. Guarantee: Required when there are guarantors - sets out guarantee terms and guarantor obligations
3. Property Provisions: Required when property is involved as security - includes specific property-related obligations and rights
4. Multiple Lenders: Required for syndicated loans - includes provisions for lender voting and administration
5. Insurance: Required when specific insurance requirements are needed - details required coverage and terms
6. Special Conditions: Used when there are business-specific conditions or unusual terms
7. Regulatory Compliance: Enhanced section required for regulated sectors or activities
8. Tax Provisions: Detailed tax section required when complex tax implications exist
1. Schedule 1 - Conditions Precedent: Detailed list of all documents and conditions required before drawdown
2. Schedule 2 - Drawdown Request Form: Template form for requesting loan drawdowns
3. Schedule 3 - Repayment Schedule: Detailed schedule of repayment dates and amounts
4. Schedule 4 - Security Documents: List and copies of all security documents
5. Schedule 5 - Financial Covenants: Detailed financial covenants and calculation methods
6. Schedule 6 - Permitted Security: List of security interests that are permitted to exist
7. Schedule 7 - Form of Compliance Certificate: Template for periodic compliance certification
8. Appendix A - Fees: Detailed breakdown of all applicable fees and charges
Authors
Relevant legal definitions
Clauses
Relevant Industries
Banking and Financial Services
Commercial Real Estate
Manufacturing
Retail
Technology
Healthcare
Construction
Agriculture
Hospitality
Transportation and Logistics
Professional Services
Energy and Utilities
Media and Entertainment
Education
Telecommunications
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Credit Assessment
Commercial Banking
Operations
Corporate Banking
Business Development
Company Secretariat
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Commercial Lending Officer
Credit Risk Manager
Legal Counsel
Compliance Officer
Relationship Manager
Business Development Manager
Corporate Banking Manager
Financial Controller
Account Manager
Risk Officer
Operations Manager
Company Secretary
Managing Director
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