The Loan Market Agreement serves as the primary documentation for commercial lending transactions in New Zealand's financial markets. This document type is utilized when establishing credit facilities between financial institutions and corporate borrowers, typically for amounts exceeding NZD 5 million. The agreement follows established market practices while incorporating specific requirements of New Zealand law, including compliance with the Financial Markets Conduct Act 2013 and related regulations. The document comprehensively covers facility terms, conditions precedent, representations and warranties, covenants, events of default, and security arrangements. It is structured to accommodate both bilateral and syndicated lending arrangements, with flexibility to include additional features such as multiple tranches, revolving facilities, or term loans. The agreement provides a robust framework for managing the ongoing relationship between lenders and borrowers while ensuring enforceability under New Zealand jurisdiction.
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1. Parties: Identifies and defines all parties to the agreement including lender(s), borrower(s), guarantor(s), and security trustee if applicable
2. Background: Sets out the context and purpose of the loan facility
3. Definitions and Interpretation: Comprehensive definitions of terms used throughout the agreement and rules of interpretation
4. The Facility: Details of the loan facility including amount, purpose, and availability period
5. Conditions Precedent: Conditions that must be satisfied before drawdown
6. Drawdown: Procedures and requirements for drawing down the loan
7. Interest: Interest calculation, periods, payment dates, and default interest provisions
8. Repayment and Prepayment: Terms for scheduled repayments and voluntary/mandatory prepayments
9. Tax Provisions: Tax gross-up, indemnities, and GST provisions
10. Representations and Warranties: Standard representations and warranties given by the borrower
11. Information Undertakings: Requirements for financial and other information to be provided to the lender
12. Financial Covenants: Financial ratios and other metrics the borrower must maintain
13. General Undertakings: Positive and negative obligations of the borrower
14. Events of Default: Circumstances constituting default and consequences
15. Changes to Parties: Provisions for transfer, assignment, and syndication
16. Administration: Payment mechanics, calculations, and notices
17. Governing Law and Enforcement: Choice of law, jurisdiction, and enforcement provisions
1. Security: Required when the loan is secured, detailing security arrangements and enforcement rights
2. Guarantees: Required when there are guarantors, detailing guarantee obligations
3. Increased Costs and Market Disruption: Used in larger facilities to address market disruption events and regulatory changes
4. Set-off Rights: Optional provisions for lender's set-off rights
5. Syndication Provisions: Required for syndicated facilities, detailing roles of facility agent and security trustee
6. Multi-currency Provisions: Required for facilities available in multiple currencies
7. Subordination: Required when there are multiple creditors requiring subordination arrangements
8. Anti-Money Laundering Provisions: Detailed AML/CFT provisions for regulated lenders
1. Schedule 1 - Conditions Precedent: Detailed list of required conditions precedent documents
2. Schedule 2 - Form of Drawdown Notice: Template for borrower to request drawdown
3. Schedule 3 - Repayment Schedule: Detailed repayment dates and amounts
4. Schedule 4 - Form of Compliance Certificate: Template for periodic compliance certification
5. Schedule 5 - Permitted Security: List of security interests permitted under the agreement
6. Schedule 6 - Form of Transfer Certificate: Template for transferring loans/commitments
7. Schedule 7 - Financial Covenants Calculations: Detailed calculation methodologies for financial covenants
8. Appendix A - Banking Details: Account details for all payment obligations
9. Appendix B - Security Documents: Forms of security documents if applicable
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Real Estate
Infrastructure
Manufacturing
Energy
Mining
Agriculture
Retail
Healthcare
Technology
Telecommunications
Transport and Logistics
Construction
Professional Services
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Corporate Banking
Credit
Operations
Documentation
Transaction Management
Relationship Management
Security Administration
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Finance Manager
Risk Manager
Compliance Officer
Relationship Manager
Credit Analyst
Loan Officer
Transaction Manager
Security Trustee Officer
Facility Agent Manager
Documentation Manager
Senior Banking Lawyer
Corporate Banking Manager
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