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Capital Loan Agreement
"Need a Capital Loan Agreement for a SGD 5 million business expansion loan from DBS Bank to my manufacturing company, with quarterly repayments over 5 years starting March 2025, secured against company assets and personal guarantee."
1. Parties: Identification of lender and borrower with full legal names and registration details
2. Background: Context and purpose of the loan agreement, including relevant commercial context
3. Definitions: Key terms used throughout the agreement including financial and technical terms
4. Loan Amount and Purpose: Specified amount of the loan, currency, and intended use of funds
5. Interest Rate: Interest calculation method, payment terms, and default interest provisions
6. Repayment Terms: Schedule and method of repayment, including prepayment provisions
7. Security: Assets or guarantees securing the loan and enforcement rights
8. Events of Default: Circumstances constituting default and consequences thereof
9. Governing Law: Applicable jurisdiction, dispute resolution mechanisms, and enforcement provisions
1. Conditions Precedent: Pre-disbursement requirements and documentation needed before loan drawdown
2. Representations and Warranties: Borrower's statements of fact and assurances regarding their legal and financial status
3. Covenants: Ongoing obligations of borrower including financial covenants and reporting requirements
4. Assignment: Rights to transfer or assign the loan and related restrictions
1. Repayment Schedule: Detailed payment dates and amounts including principal and interest breakdown
2. Security Details: Comprehensive description of collateral or security arrangements
3. Conditions Precedent Checklist: List of required documents and conditions to be satisfied before drawdown
4. Form of Drawdown Notice: Template for requesting loan disbursement with required information fields
5. Key Terms Sheet: Summary of main commercial terms and conditions of the loan
Authors
Applicable Law
Banking Day
Borrower
Business Day
Commitment
Conditions Precedent
Default
Default Interest
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
Effective Date
Event of Default
Facility
Finance Documents
Financial Indebtedness
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Material Adverse Effect
Maturity Date
Party/Parties
Payment Date
Permitted Purpose
Principal Amount
Repayment Date
Repayment Schedule
Security
Security Documents
SGD
Singapore Dollars
Tax
Term
Transaction Documents
Upfront Fee
Interest and Fees
Repayment Terms
Security and Collateral
Conditions Precedent
Representations and Warranties
Covenants
Events of Default
Remedies
Payment Mechanics
Set-off Rights
Assignment and Transfer
Confidentiality
Force Majeure
Indemnification
Taxes
Increased Costs
Notices
Amendments and Waivers
Severability
Counterparts
Governing Law
Dispute Resolution
Entire Agreement
Further Assurance
Currency
Agent Provisions
Costs and Expenses
Term and Termination
Acceleration Rights
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