A Simple Loan Note Agreement is commonly used in England and Wales when documenting straightforward lending arrangements between parties. This document type is particularly useful for businesses seeking capital, investors providing funding, or in situations requiring formal documentation of debt obligations. The agreement typically includes detailed provisions about the loan amount, interest calculations, repayment terms, and consequences of default. While simpler than complex facility agreements, it still provides adequate protection for both lender and borrower under English law, making it suitable for various commercial lending scenarios.
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1. Parties: Details of the lender and borrower, including full legal names and addresses
2. Background: Context and purpose of the loan note, including relevant facts and circumstances
3. Definitions: Key terms used throughout the agreement and their specific meanings
4. Loan Amount and Purpose: Principal sum being lent and the agreed purpose of the loan
5. Interest: Interest rate, calculation method, payment frequency and interest payment terms
6. Repayment Terms: Schedule and method of repayment, including any early repayment provisions
7. Events of Default: Circumstances constituting default and consequences of default
8. Governing Law: Specification of England and Wales as governing jurisdiction and applicable law
1. Security: Details of any assets securing the loan, including registration requirements and enforcement rights
2. Guarantees: Terms of any third-party guarantees of the loan obligations
3. Transferability: Provisions governing the transfer or assignment of the loan note to other parties
4. Conversion Rights: Terms and conditions for converting the loan into equity or other securities
1. Repayment Schedule: Detailed schedule of payment dates, amounts, and breakdown between principal and interest
2. Form of Transfer: Standard form for documenting any transfer of the loan note to another holder
3. Security Documents: Documentation relating to any security arrangements, including asset details and registration requirements
4. Conditions Precedent: List of conditions that must be satisfied before the loan can be drawn down
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