A Credit and Security Agreement is utilized when a lender requires security for a loan or credit facility. This document is essential in U.S. commercial lending transactions where the borrower pledges assets as collateral. The agreement combines what might otherwise be separate credit and security agreements into a single, comprehensive document. It must comply with federal regulations, state-specific UCC requirements, and other applicable laws. The Credit and Security Agreement typically includes detailed provisions about the credit terms, collateral description, perfection requirements, borrower covenants, and enforcement mechanisms.
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1. Parties: Identifies the lender and borrower, and their legal status
2. Background/Recitals: Sets forth the context and purpose of the credit facility
3. Definitions: Defines key terms used throughout the agreement
4. Credit Facility Terms: Details of the loan amount, interest rates, and repayment terms
5. Security Interest: Description of collateral and grant of security interest
6. Representations and Warranties: Statements of fact by borrower about their legal and financial condition
7. Covenants: Ongoing obligations of the borrower during the loan term
8. Events of Default: Circumstances that constitute default and remedies
9. Miscellaneous: Standard legal provisions including governing law, notices, etc.
1. Guaranty Provisions: Terms relating to guarantors when third-party guarantors are involved
2. Multiple Borrower Provisions: Terms governing joint liability when multiple borrowers exist
3. Subordination Terms: Priority of security interests when multiple secured creditors exist
1. Schedule of Collateral: Detailed listing of all assets serving as collateral
2. Schedule of Permitted Liens: List of pre-existing liens allowed under the agreement
3. Schedule of Intellectual Property: List of IP assets if included in collateral
4. Form of Compliance Certificate: Template for periodic compliance reporting
5. Form of Borrowing Base Certificate: Template for calculating available credit
6. Form of Promissory Note: Template for any required promissory notes
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