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Lending Loan Agreement
"I need a Lending Loan Agreement for a secured business loan of SGD 2 million to my manufacturing company, with quarterly repayments over 5 years starting from March 2025, including specific covenants related to maintaining certain financial ratios."
1. Parties: Identification and details of the lender and borrower
2. Background: Context and purpose of the loan agreement
3. Definitions: Key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of loan amount and intended use
5. Interest Rate: Interest rate, calculation method, and payment terms
6. Repayment Terms: Schedule, method, and conditions of repayment
7. Security: Details of any collateral or guarantees
8. Events of Default: Circumstances constituting default and consequences
9. Representations and Warranties: Statements of fact by borrower
1. Insurance Requirements: Required when loan is secured by physical assets - include for secured loans
2. Guarantor Provisions: Terms applying to guarantors - include when loan requires guarantors
3. Prepayment Terms: Conditions for early repayment - include when early repayment is permitted
4. Foreign Currency Provisions: Exchange rate and currency risk provisions - include for cross-border loans
1. Repayment Schedule: Detailed breakdown of repayment dates and amounts
2. Security Details: Detailed description of security/collateral
3. Conditions Precedent: List of conditions to be met before loan disbursement
4. Form of Drawdown Notice: Template for requesting loan disbursement
5. Fees Schedule: Breakdown of all applicable fees and charges
Authors
Agreement
Applicable Law
Availability Period
Banking Day
Borrower
Business Day
Collateral
Commitment
Conditions Precedent
Default
Default Interest
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
Due Date
Encumbrance
Event of Default
Facility
Financial Indebtedness
Financial Statements
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Outstanding Amount
Parties
Permitted Security Interest
Potential Default
Prepayment
Principal
Repayment Date
Repayment Schedule
Security
Security Documents
SGD
Singapore Dollars
Tax
Term
Transaction Documents
Facility Amount
Purpose
Conditions Precedent
Drawdown
Interest
Repayment
Prepayment
Security
Representations and Warranties
Covenants
Events of Default
Acceleration
Payments
Set-off
Assignment and Transfer
Costs and Expenses
Indemnities
Notices
Confidentiality
Amendments and Waivers
Severability
Counterparts
Governing Law
Dispute Resolution
Insurance
Information Undertakings
Financial Covenants
Default Interest
Taxes
Change of Circumstances
Currency
Further Assurance
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