The Loan and Guarantee Agreement is a fundamental financing document used when a borrower requires funding with additional security provided through a third-party guarantee. This document is particularly relevant in the Irish market where specific legal requirements govern both lending and guarantee arrangements. It combines two essential elements: the primary loan agreement detailing the lending terms and the guarantee provisions establishing the guarantor's obligations. The agreement must comply with Irish legislation including the Consumer Credit Act 1995, Central Bank regulations, and the Statute of Frauds (Ireland) 1695 for guarantee enforceability. It's commonly used in both corporate and personal lending scenarios, particularly where additional security is required beyond the borrower's own covenant.
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1. Parties: Identifies all parties to the agreement including lender, borrower, and guarantor(s)
2. Background: Sets out the context of the loan and guarantee arrangement and the parties' intentions
3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes interpretation principles
4. The Loan: Details the loan amount, purpose, and conditions precedent to drawdown
5. Interest and Fees: Specifies interest rate(s), calculation methods, and any applicable fees
6. Repayment Terms: Sets out repayment schedule, payment methods, and prepayment provisions
7. The Guarantee: Details the guarantee obligations, scope, and limitations
8. Representations and Warranties: States the facts and assurances provided by borrower and guarantor
9. Covenants: Lists ongoing obligations of the borrower and guarantor during the loan term
10. Events of Default: Defines circumstances constituting default and consequences
11. Enforcement: Sets out lender's rights and remedies upon default
12. Payments and Calculations: Details payment mechanics, currency provisions, and calculation conventions
13. Changes to Parties: Covers assignment and transfer provisions
14. Notices: Specifies how formal communications between parties should be made
15. General Provisions: Contains boilerplate clauses including governing law and jurisdiction
1. Security: Required if loan is secured by specific assets or collateral
2. Insurance: Required if specific insurance obligations are imposed on borrower
3. Information Undertakings: Detailed reporting requirements, typically included for corporate borrowers
4. Tax Gross-up and Indemnities: Required for cross-border loans or where tax implications need specific attention
5. Guarantee Limitations: Required when guarantee needs specific limitations under corporate law or financial assistance rules
6. Bank Accounts: Required when specific account arrangements or controls are needed
7. Subordination: Required when there are multiple creditors or intercreditor arrangements
8. Cost and Expenses: Detailed provisions about transaction costs and ongoing expenses
1. Conditions Precedent: List of documents and conditions required before loan drawdown
2. Form of Drawdown Request: Template for borrower to request loan disbursement
3. Repayment Schedule: Detailed schedule of repayment dates and amounts
4. Form of Compliance Certificate: Template for periodic confirmation of compliance with loan terms
5. Security Documents: List and/or copies of related security documentation
6. Designated Account Details: Details of accounts for loan disbursement and repayment
7. Financial Covenants: Detailed financial ratios and calculations if applicable
8. Form of Transfer Certificate: Template for transferring loan participation if permitted
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