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Secured Loan Agreement for Ireland

Secured Loan Agreement Template for Ireland

A comprehensive legal document governed by Irish law that establishes the terms and conditions under which a lender provides financial accommodation to a borrower, secured against specific assets as collateral. The agreement details the loan amount, interest rates, repayment terms, security arrangements, borrower covenants, and enforcement mechanisms, while ensuring compliance with Irish financial regulations, including the Consumer Credit Act 1995 and Central Bank requirements. It incorporates specific provisions for the creation, perfection, and enforcement of security interests under Irish law, along with necessary protections for both lender and borrower.

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Secured Loan Agreement

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What is a Secured Loan Agreement?

The Secured Loan Agreement is a fundamental financing document used in Irish lending transactions where a lender requires security over specific assets as collateral for a loan. This document is essential when parties wish to establish a secured lending relationship with clearly defined rights and obligations. The agreement combines standard loan facility provisions with security arrangements, ensuring compliance with Irish financial services regulations and security registration requirements. Typically used in commercial lending, property financing, or business expansion scenarios, the Secured Loan Agreement includes detailed provisions on security creation, loan disbursement conditions, borrower covenants, and enforcement rights. The document must adhere to Irish law requirements, including those set out by the Central Bank of Ireland and relevant financial services legislation.

What sections should be included in a Secured Loan Agreement?

1. Parties: Identifies and defines the Lender, Borrower, and any Guarantors with their full legal names and addresses

2. Background: Sets out the context of the loan and security arrangement, including the purpose of the loan

3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes interpretation rules

4. The Facility: Details the loan amount, purpose, and any conditions precedent to drawdown

5. Security: Describes the assets being provided as security and the nature of the security interest

6. Representations and Warranties: Sets out the Borrower's confirmations regarding their status, capacity, and the security assets

7. Covenants: Details positive and negative obligations of the Borrower during the loan term

8. Events of Default: Lists circumstances that would constitute a breach and trigger enforcement rights

9. Enforcement: Outlines the Lender's rights and remedies upon default

10. Payments: Specifies payment terms, interest calculations, and payment mechanics

11. Costs and Expenses: Allocates responsibility for legal fees, registration costs, and enforcement expenses

12. Notices: Sets out how formal communications between parties should be made

13. Assignment and Transfer: Governs the parties' ability to transfer their rights and obligations

14. General Provisions: Contains standard boilerplate clauses including severability, entire agreement, and governing law

What sections are optional to include in a Secured Loan Agreement?

1. Guarantees: Required when there is a guarantor providing additional security for the loan

2. Interest Rate Swap: Included when the loan includes hedging arrangements

3. Multiple Drawdown Provisions: Used for facilities with multiple tranches or staged drawdown

4. Security Trustee Provisions: Required in syndicated loans or where security is held by a trustee

5. Intercreditor Provisions: Needed when there are multiple lenders or ranking of security

6. Special Purpose Vehicle Covenants: Additional provisions for SPV borrowers

7. Property Specific Provisions: Required when security includes real estate assets

8. Insurance Requirements: Detailed insurance obligations when specific insurance coverage is required

What schedules should be included in a Secured Loan Agreement?

1. Schedule 1 - Conditions Precedent: List of documents and conditions required before drawdown

2. Schedule 2 - Form of Drawdown Request: Template for the Borrower to request loan disbursement

3. Schedule 3 - Security Assets: Detailed description of all assets provided as security

4. Schedule 4 - Repayment Schedule: Amortization table or repayment terms

5. Schedule 5 - Form of Security Documents: Ƶ for required security documentation

6. Schedule 6 - Financial Covenants: Detailed financial ratios and calculations

7. Appendix A - Fees and Charges: Comprehensive list of all applicable fees and charges

8. Appendix B - Interest Calculation Methods: Detailed explanation of interest calculations and conventions

Authors

Alex Denne

Head of Growth (Open Source Law) @ Ƶ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Jurisdiction

Ireland

Publisher

Ƶ

Document Type

Financing Agreement

Cost

Free to use
Relevant legal definitions








































































Clauses












































Relevant Industries

Financial Services

Banking

Real Estate

Construction

Manufacturing

Technology

Healthcare

Retail

Agriculture

Energy

Infrastructure

Telecommunications

Transport

Hospitality

Relevant Teams

Legal

Finance

Treasury

Compliance

Risk Management

Credit

Corporate Banking

Commercial Banking

Security Administration

Loan Administration

Portfolio Management

Business Development

Relevant Roles

Chief Financial Officer

Finance Director

Treasury Manager

Legal Counsel

Corporate Lawyer

Compliance Officer

Risk Manager

Credit Manager

Loan Officer

Security Trustee

Portfolio Manager

Commercial Director

Business Development Manager

Company Secretary

Financial Controller

Banking Relationship Manager

Industries










Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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