The Finance Agreement serves as the primary document for establishing and governing financial facilities in Hong Kong's business environment. It is typically used when a lender (usually a financial institution) provides funding to a borrower, whether for general corporate purposes, specific projects, or asset acquisition. The agreement must comply with Hong Kong's robust financial regulatory framework, including the Banking Ordinance (Cap. 155) and Money Lenders Ordinance (Cap. 163). The document encompasses crucial elements such as facility terms, security arrangements, representations and warranties, covenants, and events of default. Its structure reflects Hong Kong's common law system and international financial center status, often incorporating market-standard provisions while maintaining flexibility for transaction-specific requirements.
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1. Parties: Identification of the lender, borrower, and any guarantors or security providers
2. Background: Context of the financing arrangement and purpose of the facility
3. Definitions: Definitions of key terms used throughout the agreement
4. Facility: Details of the loan amount, purpose, and availability
5. Interest: Interest rate, calculation method, and payment terms
6. Drawdown: Conditions and procedures for drawing down the facility
7. Repayment: Terms and schedule for repayment of the facility
8. Representations and Warranties: Statements of fact and assurances given by the borrower
9. Covenants: Positive and negative obligations of the borrower during the facility period
10. Events of Default: Circumstances that constitute default and consequences
11. Security: Details of any security arrangements securing the facility
12. Payments: Payment mechanics, currency, and tax provisions
13. Costs and Expenses: Allocation of costs, fees, and expenses
14. Notices: Communication procedures between parties
15. Assignment and Transfer: Rights to assign or transfer rights and obligations
16. Governing Law and Jurisdiction: Confirmation of Hong Kong law and jurisdiction provisions
1. Guarantee: Include when there are guarantors providing additional security
2. Syndication Provisions: Include for syndicated facilities involving multiple lenders
3. Increased Costs: Include for facilities where regulatory changes might affect costs
4. Market Disruption: Include for facilities with floating interest rates
5. Set-off Rights: Include when parties want explicit set-off rights
6. Collections Account: Include when specific accounts are designated for collections
7. Insurance: Include when specific insurance requirements are needed
8. Security Trustee: Include in syndicated facilities with security arrangements
9. Subordination: Include when there are multiple creditors requiring ranking
10. Force Majeure: Include when specific force majeure provisions are required
1. Conditions Precedent: List of documents and conditions required before drawdown
2. Form of Drawdown Request: Template for borrower to request drawdown of facilities
3. Repayment Schedule: Detailed schedule of repayment dates and amounts
4. Security Documents: List and copies of all security documents
5. Fee Schedule: Detailed breakdown of all fees payable
6. Form of Transfer Certificate: Template for transferring rights and obligations
7. Financial Covenants: Detailed financial ratios and calculations
8. Form of Compliance Certificate: Template for periodic compliance certification
9. Permitted Security Interests: List of security interests allowed under the agreement
10. Notice Details: Detailed contact information for all parties
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