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Revolving Credit Loan Agreement
"I need a Revolving Credit Loan Agreement for a NZD 50,000 consumer credit facility with standard CCCFA compliance, where the borrower will access the facility through internet banking and credit card."
1. Parties: Identifies and defines the Lender and Borrower with their full legal names and addresses
2. Background: Explains the context of the agreement and the parties' intention to enter into a revolving credit facility
3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes interpretation rules
4. Facility Details: Specifies the credit limit, purpose, availability period, and key commercial terms
5. Interest and Fees: Details the interest rate calculation method, applicable fees, and payment terms
6. Drawdown Mechanics: Explains the process for requesting and receiving draws under the facility
7. Repayment Terms: Outlines minimum payment requirements, payment methods, and application of payments
8. Representations and Warranties: States the borrower's confirmations about their legal and financial status
9. Covenants: Lists ongoing obligations of the borrower during the term of the facility
10. Events of Default: Defines circumstances that constitute default and the lender's rights upon default
11. General Provisions: Contains standard contract clauses including notices, amendments, and governing law
1. Security: Required when the facility is secured against specific assets or guarantees
2. Guarantor Provisions: Included when there are third-party guarantors for the facility
3. Insurance Requirements: Needed when specific insurance coverage is required for secured assets
4. Special Drawing Conditions: Used when there are specific prerequisites or conditions for drawdowns
5. Multiple Borrower Provisions: Required when there are joint borrowers or multiple parties to the agreement
6. Credit Card Provisions: Included if the revolving credit facility includes credit card access
7. Internet Banking Terms: Required when online banking access is provided for the facility
1. Schedule 1: Facility Terms: Detailed commercial terms including credit limit, interest rates, and fee schedule
2. Schedule 2: Conditions Precedent: List of documents and conditions required before the facility becomes available
3. Schedule 3: Drawing Notice Form: Template form for requesting draws under the facility
4. Schedule 4: Compliance Certificate: Template for periodic confirmation of compliance with agreement terms
5. Schedule 5: Direct Debit Authority: Form for setting up automatic payment arrangements
6. Appendix A: Initial Disclosure Statement: CCCFA-compliant initial disclosure of key terms and conditions
7. Appendix B: Privacy Statement: Details of how personal information will be collected, used, and disclosed
Authors
Business Day
CCCFA
Credit Limit
Default Interest
Default Rate
Direct Debit Authority
Disclosure Statement
Drawdown
Drawdown Date
Drawdown Notice
Event of Default
Facility
Facility Documents
Financial Indebtedness
Financial Year
GST
Guarantee
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Legal Costs
Lender
Material Adverse Effect
Month
Outstanding Amount
Overdue Amount
Payment Date
Permitted Purpose
PPSA
Privacy Act
Related Company
Relevant Party
Repayment Date
Security
Security Interest
Security Provider
Statement Period
Subsidiary
Tax
Term
Unpaid Amount
Variation Notice
Facility Terms
Availability
Purpose
Drawdown
Interest
Fees and Charges
Repayment
Prepayment
Security
Representations and Warranties
Undertakings
Financial Covenants
Information Covenants
Events of Default
Acceleration
Set-off
Assignment
Confidentiality
Privacy
Anti-Money Laundering
Force Majeure
Notices
Amendments
Waiver
Severability
Governing Law
Dispute Resolution
Entire Agreement
Counterparts
Electronic Execution
Consumer Protection
Direct Debit
Statement Provision
Insurance
Guarantee
Security Enforcement
Default Interest
Costs and Expenses
Banking
Financial Services
Consumer Lending
Corporate Lending
Real Estate
Small Business
Retail
Commercial Banking
Investment Banking
FinTech
Legal
Compliance
Credit Risk
Commercial Banking
Retail Banking
Operations
Document Management
Treasury
Risk Management
Finance
Credit Manager
Loan Officer
Relationship Manager
Legal Counsel
Compliance Officer
Risk Manager
Credit Analyst
Banking Operations Manager
Commercial Banking Manager
Credit Risk Officer
Document Controller
Financial Controller
Treasury Manager
Chief Financial Officer
Chief Risk Officer
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