The Loan Memorandum is a crucial document used in Belgian financing transactions to formalize the terms and conditions of a loan facility. It is typically employed when establishing new credit facilities, refinancing existing debt, or structuring syndicated loans. The document must comply with Belgian financial regulations, including the Financial Law of 2002 and the Belgian Civil Code, while also considering EU regulations implemented into Belgian law. The memorandum contains detailed information about the facility, including loan amount, interest calculations, security arrangements, and covenant requirements. It serves as the definitive reference point for all parties involved in the transaction and forms the basis for the ongoing loan relationship.
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1. Parties: Identification of the lender(s) and borrower(s), including full legal names, registration numbers, and registered addresses
2. Background: Context of the loan agreement, purpose of the facility, and any relevant historical information
3. Definitions and Interpretation: Detailed definitions of terms used throughout the document and rules of interpretation
4. Facility Details: Principal amount, currency, purpose, and type of facility
5. Interest and Fees: Interest rate(s), calculation methods, payment periods, and all applicable fees
6. Drawdown Conditions: Prerequisites and conditions for accessing the loan facility
7. Repayment Terms: Repayment schedule, payment methods, and prepayment provisions
8. Representations and Warranties: Statements of fact and assurances given by the borrower
9. Covenants: Positive and negative obligations of the borrower during the loan term
10. Events of Default: Circumstances that would constitute a default and consequences thereof
11. Governing Law and Jurisdiction: Confirmation of Belgian law governance and jurisdiction for disputes
1. Security Arrangements: Include when the loan is secured by specific assets or guarantees
2. Syndication Provisions: Required for syndicated loans with multiple lenders
3. Tax Provisions: Detailed section needed when specific tax considerations apply to the loan
4. Insurance Requirements: Include when specific insurance coverage is required for loan security
5. Special Drawing Conditions: For facilities with multiple tranches or special drawing requirements
6. Assignment and Transfer: Include detailed provisions when transfer of loan participations is anticipated
7. Regulatory Compliance: Specific section needed for regulated borrowers or when specific regulatory requirements apply
1. Schedule 1 - Facility Summary: Detailed breakdown of the facility amount, interest rates, and key dates
2. Schedule 2 - Conditions Precedent: List of all documents and conditions required before drawdown
3. Schedule 3 - Drawdown Notice Form: Template for drawdown requests
4. Schedule 4 - Repayment Schedule: Detailed amortization schedule if applicable
5. Schedule 5 - Security Documents: List and copies of all security documentation
6. Schedule 6 - Financial Covenants Calculations: Formulas and methods for calculating financial covenants
7. Appendix A - Contact Details: Contact information for all parties and their representatives
8. Appendix B - Form of Compliance Certificate: Template for periodic compliance reporting
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