The Credit Facilities Agreement serves as the primary documentation for lending arrangements in the United States, whether for corporate financing, project funding, or working capital needs. This agreement type requires careful consideration of both federal regulations (such as TILA, ECOA, and BSA) and state-specific lending laws. The document typically outlines facility terms, security arrangements, covenants, and default provisions, while ensuring compliance with applicable banking regulations and consumer protection laws. Credit Facilities Agreements can be structured for single or multiple lenders, secured or unsecured arrangements, and may include revolving credit facilities, term loans, or both.
Credit Facilities Agreement for the United States
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Key Requirements PROMPT example:
Credit Facilities Agreement
"Need a Credit Facilities Agreement for a $50 million secured term loan facility to finance the acquisition of manufacturing equipment, with quarterly repayments over 5 years starting March 2025 and including both financial and operational covenants."
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1. Parties: Identification of lender(s) and borrower(s)
2. Background: Context and purpose of the credit facility
3. Definitions: Key terms used throughout the agreement
4. Facility Details: Amount, purpose, and type of credit facility
5. Interest and Fees: Interest rates, calculation methods, and applicable fees
6. Repayment Terms: Payment schedule and methods
7. Representations and Warranties: Statements of fact by borrower
8. Covenants: Ongoing obligations of the borrower
9. Events of Default: Circumstances constituting default and consequences
1. Security: Details of collateral and security arrangements for secured facilities
2. Guarantees: Provisions relating to third-party guarantees when applicable
3. Syndication Provisions: Rules and procedures for multiple lenders in syndicated facilities
4. Accordion Provisions: Terms and conditions for increasing facility amount when facility may be increased
1. Schedule 1 - Conditions Precedent: List of required documents and conditions to be satisfied
2. Schedule 2 - Form of Drawdown Notice: Template for requesting funds under the facility
3. Schedule 3 - Repayment Schedule: Detailed payment timeline and amounts
4. Schedule 4 - Security Documents: Details of collateral and security arrangements
5. Schedule 5 - Fee Schedule: Detailed breakdown of all applicable fees and charges
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