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1. Parties: Identifies and defines the Lender, Borrower, and any guarantors or security providers
2. Background: Sets out the context of the financing arrangement and the purpose of the facility
3. Definitions and Interpretation: Defines key terms and establishes interpretation principles for the agreement
4. The Facility: Details the nature, amount, and purpose of the financing facility
5. Conditions Precedent: Lists conditions that must be satisfied before the facility becomes available
6. Security: Describes the security interest over the inventory and any additional collateral
7. Representations and Warranties: Sets out the Borrower's declarations regarding their business, inventory, and capacity
8. Covenants: Details positive and negative obligations of the Borrower during the facility period
9. Inventory Management: Specifies requirements for maintaining, storing, and managing the financed inventory
10. Drawdown Mechanics: Procedures and conditions for requesting and receiving financing
11. Repayment Terms: Specifies payment obligations, including principal, profit/interest, and payment schedule
12. Events of Default: Lists circumstances constituting default and corresponding remedies
13. Security Enforcement: Describes the Lender's rights and procedures for enforcing security upon default
14. Boilerplate Provisions: Standard legal provisions including notices, amendments, governing law, and jurisdiction
1. Islamic Finance Provisions: Required if the facility needs to be Sharia-compliant, including specific structuring and profit calculation methods
2. Guarantees: Include when third-party guarantees are part of the security package
3. Insurance: Detailed insurance requirements when specific insurance coverage is required beyond standard provisions
4. Security Agent Provisions: Required in syndicated facilities where a security agent holds the security on behalf of multiple lenders
5. Regulatory Compliance: Special provisions for regulated industries or when specific regulatory requirements apply
6. Tax Provisions: Detailed tax provisions when cross-border elements or special tax considerations apply
7. Multi-currency Provisions: Required when the facility can be drawn in multiple currencies
1. Inventory Description: Detailed description and categorization of the inventory subject to financing
2. Facility Limits and Sub-limits: Breakdown of facility amounts, advance rates, and any sub-limits by inventory category
3. Form of Drawdown Request: Template for requesting drawdowns under the facility
4. Condition Precedent Documents: List of required documents and evidence for satisfying conditions precedent
5. Secured Locations: List and details of approved locations where financed inventory may be stored
6. Reporting Requirements: Templates and specifications for required inventory and financial reports
7. Security Documents: Forms of security documents, including pledge agreements and guarantees
8. Pricing and Fees: Detailed breakdown of profit rates, fees, and calculation methodologies
9. Insurance Requirements: Specific insurance requirements and minimum coverage amounts
Manufacturing
Retail
Wholesale Distribution
Automotive
Electronics
Commodities Trading
Food and Beverage
Pharmaceuticals
Textiles
Construction Materials
Industrial Equipment
Consumer Goods
Legal
Finance
Treasury
Operations
Supply Chain
Risk Management
Compliance
Warehouse Operations
Credit
Trade Finance
Chief Financial Officer
Treasury Manager
Finance Director
Legal Counsel
Commercial Director
Supply Chain Manager
Operations Manager
Credit Manager
Risk Manager
Compliance Officer
Warehouse Manager
Inventory Controller
Financial Controller
Corporate Banking Officer
Trade Finance Manager
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