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Master Lending Agreement for Singapore

Master Lending Agreement Template for Singapore

A Master Lending Agreement under Singapore law establishes the framework for ongoing lending relationships between financial institutions and borrowers. It sets out the fundamental terms and conditions governing multiple loan facilities, including representations, warranties, covenants, and events of default. The agreement complies with Singapore's Banking Act and related regulations, incorporating local banking practices and MAS guidelines. It serves as an umbrella agreement under which specific facilities can be extended through supplemental documentation.

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What is a Master Lending Agreement?

The Master Lending Agreement is a cornerstone document in Singapore's financial services sector, designed to streamline lending relationships by establishing a single set of standard terms that apply across multiple facilities. This agreement type is particularly useful when parties anticipate an ongoing lending relationship with multiple facilities over time. It incorporates Singapore's regulatory requirements, including MAS guidelines and banking regulations, while providing flexibility for various types of credit facilities. The Master Lending Agreement typically includes detailed provisions for drawdown mechanics, repayment terms, security arrangements, and default scenarios, reducing the need to negotiate these terms for each new facility.

What sections should be included in a Master Lending Agreement?

1. Parties: Identification and details of the lender and borrower

2. Background: Context and purpose of the lending arrangement

3. Definitions: Key terms used throughout the agreement

4. Facility Terms: Core lending terms including amount, interest, and tenure

5. Conditions Precedent: Prerequisites for drawdown

6. Representations and Warranties: Statements of fact and assurances by borrower

7. Covenants: Ongoing obligations of the borrower

8. Events of Default: Circumstances triggering default and remedies

9. Payments: Payment terms, mechanics, and calculations

What sections are optional to include in a Master Lending Agreement?

1. Security: Terms relating to collateral and security arrangements - used when lending is secured

2. Guarantees: Terms of any guarantees provided by third parties - used when facility is guaranteed

3. Syndication Provisions: Terms governing multiple lenders and their relationships - used for syndicated facilities

What schedules should be included in a Master Lending Agreement?

1. Facility Letter Template: Standard form for facility drawdown notices

2. Conditions Precedent Documents: List of required documents pre-drawdown

3. Calculation of Interest and Fees: Detailed methodology for calculations

4. Form of Transfer Certificate: Template for transferring lending rights

5. Security Documents: Forms of security documentation for secured facilities

Authors

Alex Denne

Head of Growth (Open Source Law) @ Ƶ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Jurisdiction

Singapore

Publisher

Ƶ

Document Type

Loan Agreement

Sector

Banking

Cost

Free to use
Relevant legal definitions














































Clauses




































Industries

Banking Act (Cap. 19): Primary legislation that regulates banking business and lending activities in Singapore, including provisions on credit facilities and exposure limits

Securities and Futures Act (Cap. 289): Governs securities-based lending and collateral arrangements, crucial when lending involves securities as collateral

Moneylenders Act (Cap. 188): Regulates moneylending businesses and operations in Singapore, particularly relevant if either party is a licensed moneylender

Contract Act (Cap. 53): Fundamental legislation governing contract formation, enforcement, and common law principles in Singapore

Consumer Protection (Fair Trading) Act: Protects consumer interests in lending transactions, particularly relevant if the lending arrangement involves retail customers

Personal Data Protection Act 2012: Governs the collection, use, and disclosure of personal data in lending arrangements, ensuring privacy and data protection compliance

AML/CFT Regulations: Anti-Money Laundering and Countering the Financing of Terrorism regulations, including MAS Guidelines and Notice 626 for banks

Insolvency, Restructuring and Dissolution Act 2018: Covers provisions relating to security interests, priority of claims, and insolvency scenarios in lending relationships

MAS Guidelines and Notices: Regulatory guidelines covering credit risk management, loan documentation requirements, and capital adequacy standards

ABS Guidelines: Association of Banks in Singapore guidelines establishing industry standards and best practices for lending activities

Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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