The Revenue Loan Agreement is particularly suited for growing businesses seeking alternative financing options under German law. This document is typically used when traditional fixed-payment loans may not align with a company's variable revenue streams, especially in sectors with recurring revenue models or seasonal fluctuations. The agreement details the mechanics of revenue-based financing, including the loan amount, revenue share percentage, calculation methods, payment terms, and reporting obligations. It ensures compliance with German banking regulations (KWG) and civil law requirements (BGB), while providing flexibility in repayment terms that scale with the business's performance. This type of agreement is increasingly popular among technology companies, digital businesses, and scale-ups operating in Germany or choosing German law as their governing law.
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1. Parties: Identification of the lender and borrower, including full legal names, registration details, and addresses
2. Background: Context of the agreement, including the borrower's business and purpose of the revenue loan
3. Definitions: Key terms used throughout the agreement, including 'Revenue', 'Payment Period', 'Loan Amount', 'Revenue Share Percentage'
4. Loan and Purpose: Details of the loan amount, disbursement conditions, and permitted use of funds
5. Revenue Share Calculation: Method for calculating the revenue share payments, including definition of qualifying revenue
6. Payment Terms: Payment mechanics, frequency, calculation periods, and payment procedures
7. Representations and Warranties: Standard and specific declarations by the borrower about their business and financial condition
8. Information Covenants: Borrower's obligations to provide financial and operational information
9. General Undertakings: Borrower's ongoing obligations regarding business operations and revenue generation
10. Events of Default: Circumstances that constitute default and consequences thereof
11. Acceleration: Lender's rights to demand immediate repayment under specified circumstances
12. Boilerplate Provisions: Standard legal provisions including notices, amendments, assignment, governing law
1. Security: Include when the loan is secured by specific assets or guarantees
2. Minimum Payment Provisions: Include when there's a minimum payment requirement regardless of revenue
3. Maximum Payment Cap: Include when there's a maximum limit on total repayment amount
4. Early Repayment: Include when early repayment is permitted with specific terms
5. Revenue Verification Rights: Include when lender has specific rights to audit or verify revenue
6. Intellectual Property Rights: Include when IP is relevant to revenue generation or security
7. Change of Control: Include when restrictions on ownership changes are required
8. Subordination: Include when the revenue loan needs to be subordinated to other debt
1. Revenue Calculation Schedule: Detailed methodology for revenue calculations and exclusions
2. Form of Revenue Report: Template for periodic revenue reporting
3. Payment Schedule: Template or example of payment calculations
4. Initial Business Plan: Borrower's business plan and revenue projections
5. Conditions Precedent: List of documents and conditions required before disbursement
6. Permitted Indebtedness: List of existing and permitted future debt obligations
7. Form of Compliance Certificate: Template for periodic compliance certification
Relevant legal definitions
Clauses
Relevant Industries
Technology and Software
E-commerce
Digital Services
Manufacturing
Retail
Healthcare
Professional Services
Media and Entertainment
Food and Beverage
Renewable Energy
SaaS Companies
Online Marketplaces
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Development
Investment
Credit Analysis
Business Development
Executive Leadership
Relevant Roles
Chief Financial Officer
Finance Director
Legal Counsel
Business Development Manager
Treasury Manager
Financial Controller
Investment Manager
Lending Officer
Risk Manager
Compliance Officer
Managing Director
CEO
Head of Finance
Corporate Lawyer
Investment Analyst
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