The Loan Market Agreement is a fundamental document used in Irish commercial lending transactions to establish and govern the relationship between lenders and borrowers. This agreement type is particularly relevant for corporate financing, acquisition financing, real estate development, and general commercial lending purposes in Ireland. The document incorporates specific provisions required under Irish law and regulatory framework, including compliance with Central Bank of Ireland regulations and relevant EU directives. It contains detailed sections covering facility terms, conditions precedent, representations and warranties, covenants, and events of default, tailored to Irish market practices and legal requirements. The agreement is designed to protect the interests of all parties while ensuring enforceability under Irish law and maintaining consistency with international lending standards.
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1. Parties: Identifies and defines the Lender(s), Borrower(s), and any other parties to the agreement
2. Background: Sets out the context of the loan agreement and summarizes the transaction
3. Definitions and Interpretation: Defines key terms and establishes interpretation rules for the agreement
4. The Facility: Details the loan amount, purpose, and availability period
5. Conditions Precedent: Specifies conditions that must be satisfied before drawdown
6. Drawdown: Sets out the drawdown mechanics, notice requirements, and procedures
7. Interest: Specifies interest rate(s), calculation methods, and payment dates
8. Repayment: Details repayment schedule, amounts, and mechanisms
9. Prepayment: Covers voluntary and mandatory prepayment provisions
10. Representations and Warranties: Sets out the borrower's representations and warranties
11. Covenants: Details positive and negative covenants applicable to the borrower
12. Events of Default: Lists circumstances constituting default and consequences
13. Changes to Parties: Covers assignment and transfer provisions
14. Administration: Contains provisions for notices, calculations, and payment mechanics
15. Governing Law and Jurisdiction: Specifies Irish law as governing law and jurisdiction provisions
1. Security: Required when the loan is secured - details security structure and enforcement
2. Guarantee: Include when there are guarantors providing credit support
3. Agent and Security Trustee Provisions: Required for syndicated loans with multiple lenders
4. Increased Costs and Tax Gross-Up: Include for corporate loans or where tax implications are significant
5. Market Disruption: Include for floating rate loans to address market disruption scenarios
6. Multi-currency Provisions: Required if the facility includes multiple currencies
7. Accordion Feature: Optional provision allowing for future increase in facility amount
8. ESG Provisions: Include if incorporating sustainability-linked elements
9. Inter-creditor Provisions: Required when there are multiple classes of creditors
1. Conditions Precedent: Detailed list of required conditions precedent documents
2. Form of Drawdown Request: Template for borrower's drawdown requests
3. Repayment Schedule: Detailed amortization schedule if applicable
4. Form of Transfer Certificate: Template for transferring loan participations
5. Form of Compliance Certificate: Template for periodic compliance reporting
6. Financial Covenants: Detailed financial covenant calculations and definitions
7. Security Documents: List and/or forms of security documents
8. Existing Security: Details of permitted existing security
9. Form of Accession Deed: Template for new parties joining the agreement
10. Contact Details: Administrative and notice details for all parties
Authors
Relevant legal definitions
Clauses
Relevant Industries
Banking & Financial Services
Real Estate
Manufacturing
Technology
Healthcare
Energy & Utilities
Infrastructure
Retail
Agriculture
Transportation & Logistics
Telecommunications
Professional Services
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Credit
Corporate Banking
Commercial
Investment
Operations
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Compliance Officer
Risk Manager
Credit Manager
Banking Relationship Manager
Finance Manager
Commercial Director
Investment Manager
Portfolio Manager
Debt Finance Manager
Corporate Banking Officer
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