The Loan Note Template is a crucial financing instrument used across various sectors in England and Wales. It serves as a formal document recording debt obligations and establishing the terms of lending arrangements. This template is particularly valuable when companies need to document multiple lending transactions efficiently. The document typically includes essential provisions about interest rates, repayment terms, security (if any), and events of default. The template format allows for customization while maintaining consistency with English law requirements and market standards.
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1. 1. Parties: Identification of the lender(s) and borrower(s), including full legal names and addresses
2. 2. Background: Context of the loan note issuance and basic commercial terms
3. 3. Definitions and Interpretation: Definitions of key terms used throughout the document and interpretation rules
4. 4. Principal Amount: Details of the loan amount, currency, and issuance terms
5. 5. Interest: Interest rate, calculation method, payment dates, and default interest provisions
6. 6. Repayment Terms: Terms for repayment including maturity date, early repayment provisions, and payment mechanics
7. 7. Events of Default: List of circumstances constituting default and consequences of default
8. 8. Representations and Warranties: Standard representations and warranties from the borrower
9. 9. Covenants: Positive and negative undertakings by the borrower
10. 10. Notices: Process for serving notices between parties
11. 11. Assignment and Transfer: Provisions regarding assignment and transfer of the loan note
12. 12. Governing Law and Jurisdiction: Specification of English and Welsh law as governing law and jurisdiction
1. Security: Details of any assets securing the loan note, including creation and enforcement of security
2. Conversion Rights: Terms and mechanics for converting the loan note to equity, including conversion price and process
3. Subordination: Provisions regarding ranking of the loan note relative to other debt
4. Tax Gross-Up: Provisions for tax gross-up payments and tax-related representations
5. Information Rights: Requirements for financial and other information to be provided to noteholders
1. Schedule 1 - Form of Transfer Certificate: Standard form for documenting transfers of the loan note
2. Schedule 2 - Conversion Mechanics: Detailed procedures and calculations for conversion of the loan note to equity
3. Schedule 3 - Security Documents: Forms of security documents and security registration requirements
4. Schedule 4 - Repayment Schedule: Detailed schedule of repayment dates and amounts
5. Schedule 5 - Conditions Precedent: List of documents and conditions required before the loan note can be issued
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