This Revolving Loan Agreement is designed for use in New Zealand when establishing a flexible borrowing arrangement where funds can be drawn down, repaid, and redrawn as needed. It is commonly used for business working capital, ongoing operational needs, or personal credit facilities. The agreement complies with New Zealand's financial services regulations, including the Credit Contracts and Consumer Finance Act 2003, Fair Trading Act 1986, and relevant banking regulations. It contains essential provisions for facility limits, interest calculations, drawdown mechanics, repayment terms, and security arrangements (if applicable). The document is structured to accommodate both business and consumer lending scenarios, with appropriate protections and disclosures required under New Zealand law.
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1. Parties: Identification of the lender and borrower, including full legal names and addresses
2. Background: Context of the revolving facility and the parties' intention to enter into the agreement
3. Definitions and Interpretation: Definitions of key terms used throughout the agreement and rules of interpretation
4. The Facility: Details of the revolving loan facility, including the facility limit and availability period
5. Purpose: Permitted purposes for which the facility may be used
6. Drawdown: Conditions and procedures for drawing down funds under the facility
7. Interest and Fees: Interest rate provisions, calculation methods, and applicable fees
8. Repayment: Terms for repayment including minimum payments, revolving nature, and final repayment
9. Representations and Warranties: Borrower's confirmations regarding their status, capacity, and circumstances
10. Undertakings: Ongoing obligations of the borrower during the term of the facility
11. Events of Default: Circumstances constituting default and consequences
12. Enforcement: Lender's rights and remedies upon default
13. General Provisions: Standard contractual provisions including notices, amendments, and governing law
1. Security: Required if the facility is secured by any assets or guarantees
2. Guarantees: Required if there are third-party guarantors for the facility
3. Insurance: Required if specific insurance coverage is mandatory for the facility
4. Special Conditions: For any unique terms specific to the particular borrower or facility
5. Financial Covenants: Required for business borrowers where financial metrics must be maintained
6. Multiple Borrowers: Required when there is more than one borrower, defining joint and several liability
7. Credit Card Provisions: Required if the revolving facility includes credit card access
1. Facility Terms: Detailed commercial terms including facility limit, interest rates, and fees
2. Drawdown Notice: Form of notice required for drawing down funds
3. Compliance Certificate: Form for periodic confirmation of compliance with agreement terms
4. Repayment Schedule: Details of any structured repayment requirements
5. Security Details: Description of any security provided (if applicable)
6. Direct Debit Authority: Form for automatic payment arrangements
7. Initial Disclosure Statement: Statutory disclosure required under NZ consumer credit law
8. Guarantor Documents: Forms and terms relating to guarantees (if applicable)
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Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Retail
Manufacturing
Construction
Professional Services
Technology
Healthcare
Agriculture
Real Estate
Hospitality
Small Business
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Credit
Commercial Banking
Corporate Banking
Business Development
Relationship Management
Operations
Relevant Roles
Chief Financial Officer
Finance Manager
Treasury Manager
Credit Manager
Risk Manager
Legal Counsel
Compliance Officer
Relationship Manager
Commercial Banking Manager
Credit Analyst
Loan Officer
Corporate Banker
Financial Controller
Business Development Manager
Account Manager
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