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1. Parties: Identification of the financing party (typically a financial institution) and the client (the business selling its receivables)
2. Background: Context of the financing arrangement and brief description of the business relationship
3. Definitions and Interpretation: Detailed definitions of terms used throughout the agreement and rules for interpretation
4. Facility and Purchase Mechanism: Details of the financing facility, including limits, purchase price calculations, and mechanics of receivables purchases
5. Eligibility Criteria: Criteria that receivables must meet to be eligible for purchase under the facility
6. True Sale and Assignment: Provisions ensuring valid sale and assignment of receivables, including perfection requirements under PPSA
7. Representations and Warranties: Standard and transaction-specific representations and warranties from the client
8. Operational Procedures: Procedures for offering receivables, notifications, payments, and reconciliation
9. Fees and Charges: All applicable fees, charges, and discount rates
10. Covenants: Positive and negative covenants applicable to the client
11. Events of Default: Circumstances constituting default and consequences
12. Collection and Servicing: Procedures for collection of receivables and servicing arrangements
13. Security: Security arrangements and PPSA requirements
14. Termination: Termination events and procedures
15. General Provisions: Standard boilerplate clauses including governing law, notices, and amendments
1. Credit Insurance: Required when credit insurance is part of the arrangement to protect against debtor defaults
2. Cross-Border Provisions: Needed when the receivables involve international debtors or cross-border elements
3. Electronic Trading Platform: Required when the facility operates through an electronic platform or portal
4. Reserve Account: Included when a reserve account mechanism is used for risk management
5. Debtor Concentration Limits: Required when specific concentration limits apply to individual debtors
6. Field Examination: Included when the financier requires rights to conduct periodic field examinations
7. Program Manager: Required when a third-party program manager is involved in administering the facility
1. Schedule 1 - Eligibility Criteria: Detailed list of criteria for eligible receivables
2. Schedule 2 - Approved Debtors: List of pre-approved debtors and their respective limits
3. Schedule 3 - Fee Schedule: Detailed breakdown of all fees, charges, and calculation methodologies
4. Schedule 4 - Form of Offer Notice: Template for offering receivables for purchase
5. Schedule 5 - Operational Procedures: Detailed procedures for day-to-day operations
6. Schedule 6 - Required Reports: Templates and requirements for periodic reporting
7. Schedule 7 - Power of Attorney: Form of power of attorney for perfecting assignments
8. Appendix A - Technology Requirements: Technical specifications for electronic interfaces if applicable
9. Appendix B - Compliance Checklist: Checklist for ongoing compliance requirements
Manufacturing
Wholesale Trade
Retail
Construction
Professional Services
Healthcare
Technology
Transportation and Logistics
Agriculture
Mining and Resources
Media and Entertainment
Telecommunications
Finance
Legal
Treasury
Credit and Collections
Operations
Risk Management
Compliance
Commercial
Business Development
Portfolio Management
Chief Financial Officer
Finance Director
Treasury Manager
Credit Controller
Accounts Receivable Manager
Financial Controller
Legal Counsel
Commercial Director
Risk Manager
Operations Manager
Credit Manager
Compliance Officer
Business Development Manager
Relationship Manager
Portfolio Manager
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