The Debt Financing Term Sheet is a crucial preliminary document used in Pakistani financing transactions to establish the fundamental terms of a proposed lending arrangement. It serves as a roadmap for the transaction, typically issued after initial commercial discussions but before detailed legal documentation. The document captures key commercial terms including facility amount, pricing, tenor, security structure, and major conditions, while considering Pakistani regulatory requirements and market practices. This term sheet is essential for obtaining internal approvals from both lender and borrower organizations and guides the preparation of detailed facility documentation. While generally non-binding except for certain provisions (such as confidentiality and exclusivity), it forms the basis for the lender's credit approval process and the borrower's internal authorization procedures.
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1. Parties: Identification of the lender(s) and borrower(s), including their legal names, registration details, and addresses
2. Background: Brief context of the financing arrangement and purpose of the facility
3. Definitions: Key terms used throughout the term sheet
4. Facility Type and Amount: Description of the type of facility (term loan, revolving credit, etc.) and the principal amount
5. Purpose: Specified use of the loan proceeds
6. Interest Rate and Fees: Details of interest rate, calculation method, and all applicable fees
7. Tenor and Repayment: Loan duration and repayment schedule
8. Security Structure: Overview of collateral and security arrangements
9. Key Covenants: Essential financial and non-financial covenants
10. Conditions Precedent: Key conditions to be satisfied before drawdown
11. Events of Default: List of standard events of default
12. Governing Law: Specification of Pakistani law as governing law and jurisdiction
13. Binding Effect: Statement on which terms are legally binding and which are subject to further documentation
1. Syndication Provisions: Required when the facility may be syndicated to multiple lenders
2. Islamic Finance Structure: Needed when the financing needs to be Shariah-compliant
3. Foreign Currency Provisions: Required for facilities involving foreign currency
4. Group Structure: Necessary when dealing with complex corporate groups or multiple borrowers
5. Hedging Requirements: Include when interest rate or currency hedging is mandatory
6. Intercreditor Provisions: Required when there are multiple creditors or existing facilities
7. Security Sharing: Needed when security is shared with other facilities
8. Green Financing Provisions: Include for environmentally-focused or sustainable financing
1. Term Sheet Summary: One-page summary of key commercial terms
2. Fee Schedule: Detailed breakdown of all fees and charges
3. Repayment Schedule: Indicative repayment schedule with dates and amounts
4. Security Assets Schedule: List of assets to be provided as security
5. Corporate Structure Chart: Diagram showing relevant corporate relationships
6. Financial Covenants Calculations: Detailed methodology for calculating financial covenants
7. Conditions Precedent Checklist: Detailed list of required documents and conditions
8. Required Authorizations: List of regulatory and corporate approvals needed
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