The Project Finance Loan Agreement is a sophisticated financing document used when implementing large-scale project financing transactions in Australia. It is specifically designed for non-recourse or limited-recourse financing where the loan is primarily secured by the project's assets and cash flows. This agreement is essential when financing major infrastructure, energy, or other capital-intensive projects where the lenders' primary security and source of repayment is the project itself. The document comprehensively addresses Australian regulatory requirements, including compliance with banking regulations, security registration under the Personal Property Securities Act, and corporate law requirements. It typically includes detailed provisions for project monitoring, technical requirements, environmental compliance, and specific covenants tailored to the project's nature.
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1. Parties: Identification of the lender(s), borrower(s), and any other key parties such as security trustee, facility agent, or project sponsors
2. Background: Context of the project financing arrangement, including project description and purpose of the facility
3. Definitions and Interpretation: Comprehensive definitions of terms used throughout the agreement and interpretation clauses
4. The Facility: Details of the loan facility including amount, purpose, availability period, and drawdown mechanics
5. Conditions Precedent: Conditions that must be satisfied before any utilization of the facility
6. Utilisation: Process and requirements for drawing down the loan facility
7. Repayment and Prepayment: Terms for scheduled repayments, mandatory and voluntary prepayments
8. Interest and Fees: Interest calculation, payment periods, default interest, and all applicable fees
9. Tax Gross Up and Indemnities: Provisions for tax-related payments and indemnities
10. Project Undertakings: Specific covenants relating to the project construction, operation, and maintenance
11. General Undertakings: Standard corporate and financial covenants
12. Representations and Warranties: Standard and project-specific representations and warranties
13. Events of Default: Circumstances constituting default and consequences
14. Security: Overview of security package and enforcement rights
15. Changes to Parties: Assignment and transfer provisions
16. Administration: Payment mechanics, notices, calculations
17. Governing Law and Enforcement: Choice of law, jurisdiction, and dispute resolution provisions
1. Intercreditor Provisions: Required when multiple lenders or classes of debt are involved, establishing priority and voting rights
2. Market Disruption: Provisions dealing with circumstances where interest rate benchmarks become unavailable
3. Increased Costs: Provisions dealing with changes in law or regulations affecting lenders' costs
4. Environmental Compliance: Detailed environmental covenants when project has significant environmental impacts
5. Insurance: Detailed insurance requirements when project requires specific insurance coverage
6. Step-in Rights: Rights of lenders to take control of the project in certain circumstances
7. Political Risk Provisions: Required for projects in jurisdictions with significant political risk
8. Local Content Requirements: Required when project must comply with local content laws
9. Force Majeure: Detailed force majeure provisions for projects particularly susceptible to external events
1. Conditions Precedent: Detailed list of required conditions precedent documents and evidence
2. Form of Utilisation Request: Standard form for drawing down the facility
3. Project Documents: List and copies of all material project documents
4. Security Documents: List and copies of all security documents
5. Repayment Schedule: Detailed amortization schedule
6. Financial Covenants: Detailed financial ratios and calculations
7. Construction Schedule: Milestone dates and construction requirements
8. Form of Compliance Certificate: Template for periodic compliance certification
9. Technical Description of Project: Detailed technical specifications and requirements
10. Form of Transfer Certificate: Standard form for transfers of loan participations
11. Insurance Requirements: Detailed insurance specifications and requirements
12. Financial Model: Agreed base case financial model
Relevant legal definitions
Clauses
Relevant Industries
Infrastructure
Energy
Mining
Real Estate Development
Transportation
Renewable Energy
Oil & Gas
Healthcare Infrastructure
Telecommunications
Waste Management
Water Treatment
Industrial Development
Agriculture
Port Development
Aviation
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Project Management
Credit
Commercial
Corporate Finance
Investment Banking
Operations
Technical Advisory
Environmental
Insurance
Documentation
Relevant Roles
Chief Financial Officer
Finance Director
Project Finance Manager
Legal Counsel
Corporate Lawyer
Project Director
Risk Manager
Treasury Manager
Commercial Director
Investment Manager
Compliance Officer
Project Manager
Financial Controller
Credit Risk Manager
Transaction Manager
Senior Banker
Investment Analyst
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