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Lending Loan Agreement
"I need a Lending Loan Agreement under Dutch law for a secured commercial loan of €5 million to a manufacturing company, with quarterly repayments over 5 years starting March 2025, including standard financial covenants and reporting requirements."
1. Parties: Identification of the lender(s) and borrower(s) with full legal names and addresses
2. Background: Context of the loan agreement, relationship between parties, and purpose of the loan
3. Definitions: Definitions of key terms used throughout the agreement
4. The Loan: Core terms including loan amount, purpose, and drawdown conditions
5. Interest: Interest rate, calculation method, payment dates, and default interest
6. Repayment: Repayment schedule, prepayment terms, and payment mechanics
7. Representations and Warranties: Statements of fact and assurances given by the borrower
8. Borrower Covenants: Ongoing obligations of the borrower during the loan term
9. Events of Default: Circumstances that constitute default and corresponding remedies
10. Changes to Parties: Rules for assignment and transfer of rights and obligations
11. Notices: Communication methods and contact details for formal notices
12. General Provisions: Miscellaneous legal provisions including severability and amendments
13. Governing Law and Jurisdiction: Confirmation of Dutch law governance and jurisdiction of courts
1. Security: Details of any collateral or security arrangements - used when the loan is secured
2. Guarantees: Terms of any guarantees provided - used when there are guarantors
3. Conditions Precedent: Pre-disbursement conditions - used for complex commercial loans
4. Information Undertakings: Reporting obligations - used for commercial loans
5. Financial Covenants: Financial maintenance requirements - used for commercial loans
6. Agent Provisions: Role and powers of facility agent - used for syndicated loans
7. Consumer Protection Provisions: Specific protections required by Dutch consumer law - used for consumer loans
8. Tax Provisions: Detailed tax arrangements - used when tax implications are complex
9. Break Costs: Compensation for early repayment - used for fixed-rate commercial loans
1. Repayment Schedule: Detailed amortization table showing payment dates and amounts
2. Form of Drawdown Request: Template for requesting loan disbursements
3. Security Details: Detailed description of security assets and registration requirements
4. Conditions Precedent Documents: List of required documents and conditions for loan disbursement
5. Interest Calculation Examples: Examples showing how interest will be calculated
6. Form of Transfer Certificate: Template for transferring loan participations
7. Financial Covenant Calculations: Detailed methods for calculating financial covenants
8. Contact Details: Complete contact information for all parties and their representatives
Authors
Applicable Rate
Available Commitment
Business Day
Change of Control
Commitment
Conditions Precedent
Default
Default Interest
Drawdown Date
Drawdown Notice
Event of Default
Facility
Finance Documents
Financial Indebtedness
Financial Statements
Group
Interest Payment Date
Interest Period
Interest Rate
Legal Reservations
Loan
Material Adverse Effect
Permitted Security
Principal Outstanding
Repayment Date
Repayment Schedule
Security
Security Documents
Tax
Total Commitments
Transfer Certificate
Utilization
VAT
Dutch Civil Code
Working Capital
Write-off
Affiliate
Authorized Signatory
Banking Day
Borrowed Money
Break Costs
Charged Property
Designated Account
Disruption Event
Enforcement Action
Facility Office
Fee Letter
Financial Year
Holding Company
Margin
Party
Permitted Disposal
Reference Banks
Relevant Jurisdiction
Repeating Representations
Screen Rate
Secured Obligations
Subsidiary
Tax Deduction
Transaction Documents
Unpaid Sum
Loan Facility
Purpose
Conditions Precedent
Drawdown
Interest
Interest Periods
Repayment
Prepayment
Tax Gross-up
Increased Costs
Security
Representations and Warranties
Information Undertakings
General Undertakings
Financial Covenants
Events of Default
Changes to Parties
Payment Mechanics
Set-off
Notices
Calculations
Amendments and Waivers
Confidentiality
Counterparts
Severability
Force Majeure
Assignment
Third Party Rights
Governing Law
Enforcement
Jurisdiction
Process Agent
Data Protection
Anti-Money Laundering
Sanctions
Banking
Financial Services
Real Estate
Manufacturing
Retail
Technology
Healthcare
Construction
Energy
Agriculture
Transportation
Hospitality
Education
Professional Services
Legal
Finance
Credit Risk
Compliance
Treasury
Corporate Banking
Investment
Contract Administration
Business Development
Loan Operations
Portfolio Management
Legal Counsel
Finance Manager
Credit Officer
Relationship Manager
Risk Manager
Compliance Officer
Treasury Manager
Corporate Banker
Investment Manager
Contract Administrator
Chief Financial Officer
Legal Director
Loan Officer
Portfolio Manager
Business Development Manager
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