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Business Credit Agreement
"I need a Business Credit Agreement under German law for a €5 million revolving credit facility to a manufacturing company, with machinery and inventory as collateral, to be signed by March 2025."
1. Parties: Identification of the lender (credit institution) and borrower (business entity), including registration details and addresses
2. Background: Context of the credit facility, purpose of the loan, and basic commercial terms agreed
3. Definitions: Definitions of key terms used throughout the agreement, including financial terms and calculations
4. The Facility: Detailed terms of the credit facility, including amount, purpose, and availability period
5. Interest and Fees: Interest rate provisions, calculation methods, default interest, and applicable fees
6. Repayment Terms: Repayment schedule, prepayment provisions, and payment mechanics
7. Conditions Precedent: Conditions that must be satisfied before the facility becomes available
8. Representations and Warranties: Statements of fact and assurances given by the borrower
9. Covenants: Positive and negative obligations of the borrower during the facility period
10. Events of Default: Circumstances constituting default and consequences thereof
11. Security: Overview of security arrangements and cross-reference to security documents
12. Changes to Parties: Assignment and transfer provisions
13. Administration: Administrative provisions, notices, calculations, and payment mechanics
14. Governing Law and Jurisdiction: Confirmation of German law governance and jurisdiction arrangements
1. Guarantee Provisions: Required when there are third-party guarantors for the facility
2. Syndication Provisions: Needed for syndicated facilities involving multiple lenders
3. Increased Costs and Tax Provisions: Detailed provisions required for larger facilities or cross-border arrangements
4. Market Disruption: Required for facilities with floating interest rates
5. Multi-currency Provisions: Required if the facility can be drawn in multiple currencies
6. Regulatory Compliance: Additional provisions required for regulated borrowers or specific industry sectors
1. Conditions Precedent: Detailed list of required documents and conditions
2. Form of Drawdown Request: Template for borrower to request utilization of the facility
3. Calculation of Interest and Fees: Detailed methodology for calculations
4. Repayment Schedule: Detailed amortization schedule if term loan
5. Form of Compliance Certificate: Template for periodic compliance reporting
6. Security Details: Detailed description of all security assets and arrangements
7. Financial Covenants: Detailed financial covenant calculations and thresholds
8. Form of Transfer Certificate: Template for transferring interests in the facility
Authors
Account
Account Bank
Additional Borrower
Additional Guarantor
Affiliate
Agreement
Applicable Law
Availability Period
Available Commitment
Available Facility
Bank Business Day
Borrower
Break Costs
Business Day
Commitment
Commitment Fee
Compliance Certificate
Confidential Information
Default
Default Interest
Disruption Event
Draw Down Date
Draw Down Notice
EURIBOR
Event of Default
Facility
Facility Office
Fee Letter
Finance Document
Finance Party
Financial Indebtedness
Financial Statements
Financial Year
Group
Guarantee
Guarantor
Interest Payment Date
Interest Period
Legal Reservation
Lender
Loan
Major Default
Margin
Material Adverse Effect
Month
Original Financial Statements
Original Jurisdiction
Party
Permitted Security
Quotation Day
Reference Banks
Repayment Date
Repeating Representations
Representative
Security
Security Document
Security Interest
Subsidiary
Tax
Total Commitments
Transfer Certificate
Utilisation
Utilisation Date
Utilisation Request
VAT
Facility Terms
Purpose
Conditions Precedent
Utilisation
Repayment
Prepayment
Interest
Interest Periods
Fees
Tax Gross-Up
Increased Costs
Representations
Information Covenants
Financial Covenants
General Covenants
Events of Default
Security
Guarantee
Set-off
Payment Mechanics
Anti-Money Laundering
Data Protection
Confidentiality
Assignment and Transfer
Amendments and Waivers
Notices
Calculations
Severability
Contractual Recognition of Bail-In
Governing Law
Enforcement
Jurisdiction
Banking and Financial Services
Manufacturing
Retail
Technology
Real Estate
Construction
Healthcare
Energy
Transport and Logistics
Telecommunications
Agriculture
Professional Services
Hospitality
Industrial Production
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit Administration
Business Development
Corporate Finance
Operations
Chief Financial Officer
Finance Director
Treasury Manager
Corporate Banker
Legal Counsel
Credit Risk Manager
Relationship Manager
Compliance Officer
Financial Controller
Banking Manager
Corporate Finance Manager
Business Development Director
Managing Director
Credit Analyst
Legal Director
Risk Manager
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