The Loan and Guarantee Agreement is a crucial legal instrument used in Philippine financing transactions where additional security is required beyond the borrower's primary obligations. This document is typically employed when a third party (guarantor) agrees to secure the borrower's obligations to the lender, providing an additional layer of security for the loan facility. The agreement must comply with Philippine banking regulations, including BSP Circular 905 regarding interest rates and the Truth in Lending Act for proper disclosures. It is particularly relevant in corporate financing, project finance, and significant personal loans where the lender requires enhanced security. The document encompasses both the primary loan facility terms and the guarantee provisions, ensuring enforceability under Philippine law while protecting the interests of all parties involved. The agreement includes specific provisions addressing local requirements for notarization, documentary stamp tax, and other regulatory compliance matters unique to the Philippine jurisdiction.
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1. Parties: Identification of the Lender, Borrower, and Guarantor(s), including their complete legal names, addresses, and registration details
2. Background: Context of the loan arrangement, relationship between parties, and purpose of the guarantee
3. Definitions: Definitions of key terms used throughout the agreement, including financial terms, dates, and technical references
4. Loan Amount and Purpose: Specification of the loan amount, currency, and permitted use of funds
5. Interest and Fees: Details of interest rate(s), calculation method, payment periods, and any applicable fees
6. Drawdown and Disbursement: Conditions and procedures for disbursement of the loan
7. Repayment Terms: Schedule of repayments, payment methods, and prepayment provisions
8. Guarantee Provisions: Scope of guarantee, obligations of guarantor, and conditions for enforcement
9. Representations and Warranties: Statements of fact and assurances from both borrower and guarantor
10. Covenants: Ongoing obligations of borrower and guarantor, including financial covenants and reporting requirements
11. Events of Default: Circumstances constituting default and consequences thereof
12. Remedies: Rights and remedies available to the lender upon default
13. Governing Law and Jurisdiction: Confirmation of Philippine law as governing law and jurisdiction for disputes
14. Notices: Process and addresses for formal communications between parties
15. Execution: Signature blocks and execution requirements
1. Security: Include when additional collateral beyond the guarantee is provided
2. Tax Provisions: Include detailed tax provisions when cross-border elements exist or complex tax arrangements apply
3. Assignment and Transfer: Include when rights to transfer or assign the loan or guarantee are contemplated
4. Multiple Guarantors: Include when there is more than one guarantor to address joint and several liability
5. Currency Provisions: Include for loans in foreign currency or with multiple currency options
6. Insurance Requirements: Include when specific insurance coverage is required for the borrower or collateral
7. Step-In Rights: Include when lender may need to take control of borrower's assets or operations
8. Subordination: Include when there are multiple lenders or existing debt requiring subordination
1. Repayment Schedule: Detailed amortization table showing payment dates, amounts, and breakdown of principal and interest
2. Conditions Precedent: List of documents and conditions required before loan disbursement
3. Form of Drawdown Notice: Template for borrower to request loan disbursement
4. Guarantor Financial Covenants: Specific financial ratios and requirements to be maintained by guarantor
5. Security Details: Description of any collateral or security arrangements
6. Permitted Investments: List of approved investments or uses of loan proceeds
7. Required Insurance: Details of required insurance coverage and terms
8. Form of Compliance Certificate: Template for periodic compliance reporting
Relevant legal definitions
Clauses
Relevant Industries
Banking and Financial Services
Real Estate and Property Development
Manufacturing
Infrastructure and Construction
Agriculture
Energy and Utilities
Transportation and Logistics
Technology and Telecommunications
Healthcare
Education
Retail and Consumer Goods
Mining and Natural Resources
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Corporate Banking
Credit
Operations
Documentation
Business Development
Account Management
Corporate Secretariat
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Credit Risk Officer
Legal Counsel
Compliance Officer
Loan Officer
Corporate Banking Manager
Risk Management Director
Business Development Manager
Account Manager
Financial Controller
Corporate Secretary
Banking Operations Manager
Credit Analyst
Legal Manager
Relationship Manager
Documentation Specialist
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