Loan Agreement Template for Netherlands

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Key Requirements PROMPT example:

Loan Agreement

"I need a Dutch law Loan Agreement for a €500,000 business loan from ABC Bank N.V. to my tech startup, with quarterly repayments over 3 years starting March 2025 and including standard financial covenants."

Document background

The Loan Agreement under Dutch law serves as the primary documentation for lending transactions in the Netherlands, whether for commercial, corporate, or personal purposes. This document is essential when one party (the lender) agrees to provide financial accommodation to another party (the borrower) under specific terms and conditions. The agreement must comply with Dutch civil law requirements, including the Dutch Civil Code (Burgerlijk Wetboek) and, where applicable, the Financial Supervision Act (Wft). It typically includes provisions for the loan amount, interest calculation, repayment terms, security arrangements, and events of default. The document is particularly important for establishing clear rights and obligations of all parties involved, ensuring enforceability under Dutch law, and providing mechanisms for addressing potential defaults or disputes.

Suggested Sections

1. Parties: Identification of the lender and borrower with full legal names and addresses

2. Background: Context of the loan agreement and brief description of the parties' intentions

3. Definitions: Definitions of key terms used throughout the agreement

4. The Loan: Key terms of the loan including principal amount, purpose, and conditions precedent to drawdown

5. Interest: Interest rate, calculation method, payment dates, and default interest provisions

6. Repayment: Repayment schedule, method of payment, and prepayment provisions

7. Representations and Warranties: Statements of fact and assurances given by the borrower

8. Covenants: Ongoing obligations of the borrower during the term of the loan

9. Events of Default: Circumstances that allow the lender to demand immediate repayment

10. Security: Details of any security or guarantees provided for the loan

11. Costs and Expenses: Allocation of costs related to the preparation and enforcement of the agreement

12. Notices: How formal communications between parties should be made

13. Assignment and Transfer: Rights of parties to transfer their rights and obligations

14. Governing Law and Jurisdiction: Confirmation of Dutch law governance and jurisdiction for disputes

15. Execution: Signature blocks and execution formalities

Optional Sections

1. Conditions Subsequent: Used when certain conditions must be met after the loan is made, common in complex commercial loans

2. Tax Provisions: Include when tax implications need specific addressing, particularly in cross-border loans

3. Currency Provisions: Required when the loan is in a currency other than euros

4. Subordination: Include when the loan needs to be subordinated to other debt

5. Financial Covenants: Used in business loans where financial ratios must be maintained

6. Co-Borrower Provisions: Include when there are multiple borrowers

7. Data Protection: Detailed GDPR compliance section, necessary when personal data is processed extensively

8. Force Majeure: Include when specific circumstances affecting loan performance need to be addressed

9. Anti-corruption Provisions: Required for business loans or when required by lender's policies

Suggested Schedules

1. Repayment Schedule: Detailed amortization table showing payment dates and amounts

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

3. Security Documents: Details of any collateral or security arrangements

4. Conditions Precedent Documents: List of required documents to be provided before loan disbursement

5. Form of Compliance Certificate: Template for periodic confirmation of compliance with loan terms

6. Details of Bank Accounts: Specified accounts for loan disbursement and repayment

7. Calculation of Interest Rate: Detailed methodology for interest calculation if complex

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co

Relevant legal definitions

Clauses

Relevant Industries

Banking

Financial Services

Real Estate

Manufacturing

Technology

Healthcare

Retail

Construction

Agriculture

Energy

Transportation

Education

Professional Services

Hospitality

Relevant Teams

Legal

Finance

Treasury

Risk Management

Compliance

Credit

Corporate Secretariat

Business Development

Operations

Internal Audit

Relevant Roles

Chief Financial Officer

Finance Director

Legal Counsel

Corporate Lawyer

Credit Risk Manager

Treasury Manager

Financial Controller

Compliance Officer

Banking Relationship Manager

Credit Analyst

Transaction Manager

Loan Officer

Corporate Secretary

Risk Manager

Business Development Manager

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Authors

Alex Denne

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