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Loan Memorandum

Loan Memorandum Template for Australia

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Key Requirements PROMPT example:

Loan Memorandum

"I need a Loan Memorandum for a AUD 5 million secured corporate loan to a manufacturing company, with quarterly repayments over 3 years and standard corporate lending terms under Australian law."

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Document background
The Loan Memorandum is a fundamental document in Australian lending transactions, used to formalize and document the terms and conditions of a loan facility. It serves as the primary reference point for both lenders and borrowers throughout the life of the facility, incorporating all essential commercial terms, legal requirements, and regulatory obligations. This document type is particularly important in the Australian context, where lending practices are strictly regulated under various legislative frameworks including the National Consumer Credit Protection Act 2009 and the Corporations Act 2001. The Loan Memorandum needs to be carefully drafted to ensure compliance with these regulations while effectively protecting the interests of all parties involved. It is typically used in both corporate and commercial lending scenarios, ranging from simple bilateral facilities to complex syndicated arrangements.
Suggested Sections

1. Parties: Identification of lender(s) and borrower(s), including ABN/ACN and registered addresses

2. Background: Context of the loan facility, including purpose and any relevant historical information

3. Definitions: Defined terms used throughout the document, including financial and technical terms

4. Facility Details: Key terms including facility amount, purpose, availability period, and interest rate

5. Conditions Precedent: Conditions that must be satisfied before the facility becomes available

6. Repayment Terms: Repayment schedule, method, and prepayment provisions

7. Interest and Fees: Interest calculation, payment dates, default interest, and applicable fees

8. Representations and Warranties: Statements of fact and assurances given by the borrower

9. Undertakings: Positive and negative obligations of the borrower during the loan term

10. Events of Default: Circumstances constituting default and consequences

11. Boilerplate Provisions: Standard legal provisions including notices, governing law, and jurisdiction

Optional Sections

1. Security Arrangements: Required when the loan is secured, detailing the nature and terms of security

2. Guarantee Provisions: Included when there are guarantors to the loan facility

3. Syndication Provisions: Required for syndicated loans with multiple lenders

4. Review Events: Included for facilities with specific review triggers distinct from events of default

5. Market Disruption: Required for facilities with variable rates or international elements

6. Increased Costs and Tax Provisions: Detailed provisions needed for complex commercial loans or cross-border facilities

7. Assignment and Transfer: Detailed provisions needed when transfer of loan interests is contemplated

8. Financial Covenants: Required for loans with specific financial performance requirements

Suggested Schedules

1. Facility Terms Schedule: Detailed breakdown of facility limits, pricing, and key commercial terms

2. Conditions Precedent Schedule: Detailed list of required documents and conditions

3. Repayment Schedule: Detailed amortization schedule if applicable

4. Security Details: List and details of security assets and documents

5. Form of Drawdown Notice: Template for borrower to request loan disbursements

6. Form of Compliance Certificate: Template for periodic compliance reporting

7. Permitted Security Interests: List of pre-approved security interests that may exist

8. Financial Covenant Calculations: Formulae and methods for calculating financial covenants

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions
































































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Relevant Industries

Banking and Financial Services

Real Estate and Property Development

Infrastructure and Construction

Mining and Resources

Manufacturing

Agriculture

Retail

Healthcare

Technology

Transport and Logistics

Education

Hospitality and Tourism

Relevant Teams

Legal

Finance

Treasury

Credit

Risk Management

Compliance

Corporate Banking

Commercial Lending

Deal Advisory

Transaction Services

Relevant Roles

Chief Financial Officer

Finance Director

Treasury Manager

Corporate Lawyer

Legal Counsel

Relationship Manager

Credit Manager

Risk Manager

Compliance Officer

Financial Controller

Banking Executive

Loan Officer

Corporate Banking Manager

Director of Finance

General Counsel

Company Secretary

Industries








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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