The Shareholder Loan Agreement is a crucial document used when a shareholder provides financial support to a company through a formal loan arrangement in New Zealand. This agreement is particularly relevant when companies need additional funding but prefer not to seek external financing or dilute existing shareholdings. The document carefully balances the interests of the lending shareholder with those of the company and other stakeholders, ensuring compliance with New Zealand corporate law, tax regulations, and financial markets legislation. It includes essential details about the loan facility, such as amount, purpose, interest rates (aligned with New Zealand tax requirements), repayment terms, and any security arrangements. The agreement becomes especially important for tax purposes and corporate governance, providing clear documentation of the debt arrangement and protecting both parties' interests in case of future disputes or company restructuring.
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1. Parties: Identifies the shareholder as lender and the company as borrower, including full legal names and addresses
2. Background: Sets out the context of the loan, including the shareholder's relationship with the company and the purpose of the loan
3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes interpretation rules
4. Loan Amount and Purpose: Specifies the loan amount, currency, and permitted use of funds
5. Interest: Details the interest rate, calculation method, and payment frequency, ensuring compliance with NZ tax requirements
6. Drawdown: Specifies how and when the loan amount will be advanced to the company
7. Repayment Terms: Sets out the repayment schedule, including any installments and final repayment date
8. Company's Obligations: Lists the company's ongoing obligations, including financial reporting and compliance requirements
9. Representations and Warranties: Standard representations and warranties from both parties
10. Events of Default: Defines what constitutes default and the consequences thereof
11. General Provisions: Standard boilerplate clauses including notices, amendments, governing law, and dispute resolution
1. Security: Include when the loan is to be secured against company assets or other security is provided
2. Subordination: Required when the shareholder loan needs to be subordinated to other company debt
3. Tax Provisions: Detailed section needed for complex arrangements or when specific tax treatment is desired
4. Director's Certificate: Include when formal board approval is required or for corporate governance purposes
5. Conversion Rights: Include if the loan may be converted to equity in the future
6. Assignment and Transfer: Detailed provisions needed if either party may transfer their rights under the agreement
7. Shareholder Consent: Required when other shareholders' approval is needed for the loan
1. Loan Terms Schedule: Details of loan amount, interest rate, repayment dates and other key commercial terms
2. Drawdown Notice: Form of notice to be used when requesting drawdown of the loan
3. Repayment Schedule: If installment payments are required, detailed schedule of payment dates and amounts
4. Security Details: If loan is secured, description of security assets and arrangements
5. Director's Resolution: Board resolution approving the loan arrangement
6. Shareholder Resolutions: Any required shareholder approvals or consents
7. Subordination Terms: If applicable, detailed terms of subordination to other creditors
Relevant legal definitions
Clauses
Relevant Industries
Technology
Manufacturing
Retail
Professional Services
Real Estate
Construction
Healthcare
Agriculture
Financial Services
Mining
Energy
Transportation
Hospitality
Education
Media and Entertainment
Relevant Teams
Legal
Finance
Corporate Governance
Treasury
Tax
Compliance
Company Secretariat
Corporate Development
Risk Management
Board of Directors
Relevant Roles
Chief Executive Officer
Chief Financial Officer
Finance Director
Company Director
Company Secretary
Corporate Lawyer
Legal Counsel
Financial Controller
Tax Manager
Compliance Officer
Investment Manager
Shareholder Relations Manager
Corporate Governance Manager
Treasury Manager
Business Development Manager
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