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Corporate Loan Agreement

Corporate Loan Agreement for Singapore

Corporate Loan Agreement Template for Singapore

A Corporate Loan Agreement under Singapore law is a legally binding document that establishes the terms and conditions under which a financial institution provides funding to a corporate borrower. The agreement complies with Singapore's Banking Act and Companies Act, incorporating local regulatory requirements and market practices. It details the loan amount, interest rates, repayment terms, security arrangements, representations and warranties, covenants, and events of default, while ensuring compliance with Singapore's strict banking regulations and corporate governance requirements.

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What is a Corporate Loan Agreement?

The Corporate Loan Agreement is a fundamental document in Singapore's corporate financing landscape, used when companies seek debt financing for various business purposes including working capital, expansion, or acquisitions. It reflects Singapore's position as a major financial hub and incorporates local regulatory requirements, including MAS guidelines and Companies Act provisions. The agreement typically includes comprehensive provisions on facility terms, security arrangements, financial covenants, and enforcement mechanisms, tailored to Singapore's legal framework and banking practices.

What sections should be included in a Corporate Loan Agreement?

1. Parties: Identification of lender and borrower with full corporate details

2. Background: Context of the loan and relationship between parties

3. Definitions: Key terms used throughout the agreement

4. Facility Details: Loan amount, purpose, and drawdown conditions

5. Interest and Fees: Interest rate, calculation method, and applicable fees

6. Repayment Terms: Payment schedule and prepayment provisions

7. Representations and Warranties: Statements of fact by borrower about its status and capacity

8. Covenants: Ongoing obligations of the borrower

9. Events of Default: Circumstances constituting default and consequences

10. Governing Law and Jurisdiction: Choice of law and dispute resolution provisions

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

1. Security: Details of any collateral or guarantees - include when loan is secured

2. Syndication Provisions: Terms for multiple lenders - include for syndicated loans

3. Tax Provisions: Detailed tax implications and gross-up provisions - include for cross-border transactions

4. Currency Provisions: Exchange rate mechanisms - include for multi-currency facilities

What schedules should be included in a Corporate Loan Agreement?

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

2. Form of Drawdown Notice: Template for borrower to request loan disbursement

3. Repayment Schedule: Detailed payment dates and amounts

4. Security Documents: Forms of security documents if applicable

5. Form of Compliance Certificate: Template for periodic financial covenant compliance

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

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Jurisdiction

Singapore

Publisher

Ƶ

Document Type

Financing Agreement

Sector

Capital Markets

Cost

Free to use
Relevant legal definitions









































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Industries

Banking Act (Cap. 19): Primary legislation governing banking operations in Singapore. Regulates banking business, financial institutions, and contains key provisions on lending limits and restrictions.

Companies Act (Cap. 50): Key legislation governing corporate entities, covering corporate borrowing powers, directors' duties and authority to enter loan agreements, and financial assistance provisions.

Securities and Futures Act (Cap. 289): Relevant for loans involving securities or convertible instruments. Includes important disclosure requirements and securities regulations.

Moneylenders Act (Cap. 188): While primarily focused on licensed moneylenders, contains relevant principles for lending practices in Singapore.

Civil Law Act (Cap. 43): Fundamental legislation governing contract formation, enforcement, and interest rate regulations in Singapore.

Bankruptcy Act (Cap. 20): Critical legislation covering bankruptcy proceedings and implications for default scenarios in loan agreements.

Insolvency, Restructuring and Dissolution Act 2018: Modern legislation governing corporate insolvency, restructuring, and security enforcement in Singapore.

MAS Guidelines: Regulatory guidelines issued by the Monetary Authority of Singapore covering banking regulations, credit facility guidelines, and anti-money laundering requirements.

ABS Guidelines: Industry standards and best practices issued by the Association of Banks in Singapore for banking and lending operations.

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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