The Project Loan Agreement is a fundamental document in Australian project finance transactions, used when a lender provides financing for specific projects where loan repayment primarily depends on the project's cash flows. This agreement is particularly relevant for large-scale development projects in Australia where significant capital investment is required. The document incorporates essential elements required under Australian banking and securities law, including necessary securities registration under the Personal Property Securities Act 2009 (Cth). It establishes the relationship between lenders and borrowers, typically special purpose vehicles (SPVs), and includes comprehensive provisions for project oversight, drawdown mechanics, security arrangements, and covenant packages. The agreement is designed to protect lenders' interests while facilitating project development, incorporating both standard banking provisions and project-specific requirements.
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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 project loan, including project description and purpose of the facility
3. Definitions and Interpretation: Defines key terms and establishes interpretation principles for the agreement
4. The Facility: Details the loan amount, purpose, and availability period
5. Conditions Precedent: Lists all conditions that must be satisfied before drawdown
6. Drawdown: Specifies drawdown mechanics, notice requirements, and drawdown conditions
7. Interest and Fees: Details interest calculation, payment periods, and all applicable fees
8. Repayment and Prepayment: Sets out repayment schedule, prepayment terms, and mandatory prepayment events
9. Security: Describes all security arrangements and their ranking
10. Representations and Warranties: Lists all borrower representations and warranties
11. Undertakings: Details general, financial, and project-specific covenants
12. Events of Default: Lists circumstances constituting default and consequences
13. Changes to Parties: Addresses assignment and transfer provisions
14. Administration: Covers notices, calculations, and other administrative matters
15. Governing Law and Enforcement: Specifies governing law, jurisdiction, and dispute resolution
1. Intercreditor Provisions: Required when multiple lenders or creditors are involved, establishing priority and voting rights
2. Insurance: Detailed insurance requirements when project insurance is complex or crucial
3. Project Monitoring: When specific project monitoring or technical advisor arrangements are required
4. Environmental and Social Requirements: When project involves significant environmental or social impact considerations
5. Security Trustee Provisions: When security is held by a security trustee for multiple lenders
6. Hedging Requirements: When interest rate or currency hedging is mandatory
7. Step-in Rights: When lender requires right to take control of project in certain circumstances
8. Special Purpose Vehicle Provisions: When borrower is an SPV with specific structural requirements
1. Conditions Precedent: Detailed list of required documents and conditions
2. Form of Drawdown Notice: Template for borrower to request loan disbursements
3. Repayment Schedule: Detailed amortization schedule if applicable
4. Project Budget: Detailed project costs and funding requirements
5. Security Documents: List and copies of all security documents
6. Project Documents: Key project contracts and agreements
7. Financial Covenants: Detailed financial ratios and calculations
8. Form of Compliance Certificate: Template for periodic compliance reporting
9. Technical Description of Project: Detailed technical specifications and requirements
10. Insurance Requirements: Detailed insurance specifications and minimum requirements
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