A Debenture Loan Agreement is a crucial financial instrument used in Irish corporate lending transactions where security is required over company assets. This document type is commonly used when a company needs to borrow funds while providing comprehensive security to the lender. It combines the features of a loan agreement with security arrangements, typically creating both fixed and floating charges over the borrower's assets. The agreement must comply with Irish law, particularly the Companies Act 2014 and relevant EU regulations, and requires registration with the Companies Registration Office. The document details loan terms, security arrangements, covenants, events of default, and enforcement mechanisms, providing lenders with robust protection while giving borrowers access to needed financing. It's particularly relevant for medium to large corporate borrowings where substantial assets are available as security.
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1. Parties: Identification of the lender, borrower, and any security trustee or guarantors
2. Background: Context of the agreement, including purpose of the loan and security arrangement
3. Definitions and Interpretation: Defined terms, rules of interpretation, and construction
4. The Facility: Terms of the loan, including amount, purpose, and drawdown conditions
5. Interest and Fees: Interest calculation, payment dates, default interest, and applicable fees
6. Repayment and Prepayment: Repayment schedule, prepayment terms, and mandatory prepayment events
7. Security: Creation and terms of the security interest over the charged assets
8. Representations and Warranties: Borrower's confirmations regarding its status, capacity, and charged assets
9. Covenants: Positive and negative undertakings of the borrower
10. Events of Default: Circumstances constituting default and consequences
11. Enforcement: Rights and remedies of the lender upon default, including appointment of receiver
12. Payments: Payment mechanics, currency, and tax provisions
13. Changes to Parties: Assignment and transfer provisions
14. Notices: Communication requirements and contact details
15. Miscellaneous: Standard boilerplate provisions including severability, amendments, and counterparts
1. Guarantees: Include when third-party guarantees are part of the security package
2. Intercreditor Provisions: Required when there are multiple creditors or ranks of debt
3. Property Specific Provisions: Include when real property forms part of the security package
4. IP Rights: Required when intellectual property is part of the charged assets
5. Bank Accounts: Include when specific account security arrangements are required
6. Insurance: Detailed insurance requirements when specific insurance coverage is crucial
7. Financial Covenants: Include when financial ratios and tests are required
8. Security Trustee Provisions: Required when a security trustee structure is used
1. Form of Drawdown Request: Template for borrower to request loan disbursements
2. Conditions Precedent: List of required documents and conditions for loan effectiveness
3. Properties: Details of any real property forming part of the security
4. Charged Assets: Detailed description of all assets subject to the security
5. Required Insurance: Specifications for required insurance coverage
6. Form of Compliance Certificate: Template for periodic compliance certification
7. Repayment Schedule: Detailed schedule of repayment dates and amounts
8. Notice Details: Contact information for all parties
9. Form of Transfer Certificate: Template for transferring rights under the agreement
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Real Estate
Manufacturing
Technology
Healthcare
Retail
Infrastructure
Energy
Transportation
Agriculture
Construction
Professional Services
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Corporate Secretariat
Credit
Commercial
Corporate Banking
Investment
Operations
Relevant Roles
Chief Financial Officer
Finance Director
Corporate Lawyer
Legal Counsel
Treasury Manager
Risk Manager
Company Secretary
Commercial Director
Credit Manager
Compliance Officer
Banking Relationship Manager
Security Trustee
Corporate Banking Officer
Investment Manager
Financial Controller
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