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1. Parties: Identification of the Lender and Borrower with full legal names and addresses
2. Background: Brief context of the loan arrangement and purpose
3. Definitions and Interpretation: Definitions of key terms used in the note and rules of interpretation
4. The Loan: Principal amount, purpose, and drawdown conditions
5. Interest: Interest rate, calculation method, and payment dates
6. Repayment: Repayment schedule, prepayment provisions, and payment mechanics
7. Representations and Warranties: Borrower's confirmations regarding their legal status, capacity, and financial condition
8. Borrower Covenants: Ongoing obligations of the borrower during the loan term
9. Events of Default: Circumstances constituting default and consequences
10. Expenses and Indemnity: Allocation of costs and indemnification obligations
11. Notices: Communication methods and contact details
12. Assignment and Transfer: Rights to transfer or assign the loan note
13. Governing Law and Jurisdiction: Nigerian law as governing law and jurisdiction for disputes
1. Security: Include if any collateral is later added despite being initially unsecured
2. Multiple Lenders: Required if there is more than one lender, addressing voting rights and decision-making
3. Use of Proceeds: Include if there are specific requirements for how the loan must be used
4. Tax Gross-up: Include if tax implications need to be addressed specifically
5. Change of Control: Include if changes in borrower ownership should trigger repayment
6. Financial Covenants: Include if specific financial metrics must be maintained
7. Information Covenants: Include if regular financial reporting is required
1. Repayment Schedule: Detailed schedule of repayment dates and amounts
2. Interest Calculation: Detailed methodology for calculating interest
3. Form of Draw Down Notice: Standard form for requesting loan disbursement
4. Form of Compliance Certificate: Template for periodic compliance confirmation
5. Contact Details: Comprehensive contact information for all parties
6. Form of Transfer Certificate: Template for transferring the loan note to another party
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