Facility and Loan Agreement Documentation
Facility, Loan and Financing Agreements for Corporate Borrowers and Lenders
Financing documentation where the covenants, the security and the events of default are understood by the borrower before the first drawdown, not after.
- Advocates & Solicitors
- Offices in Kuala Lumpur & Johor Bahru
- Confidential, no obligation
Real lawyers, one team behind every matter
Who this is for
Sound familiar?
Companies borrowing from banks or financial institutions
Businesses granting or taking intercompany and shareholder loans
Groups refinancing or restructuring existing facilities
Parties providing corporate or personal guarantees
Borrowers who have been offered terms and want them assessed before accepting
What's at stake
What is really at stake
- 01Term sheets from lenders read like a summary of the interest rate.The facility agreement that follows is where the actual obligations live — financial covenants tested quarterly, restrictions on distributions, change of control provisions, cross-default clauses reaching into agreements you signed years ago.
- 02Most borrowers sign because the funding is needed and the documents arrived late.Nobody models whether the covenants can actually be met if a single quarter goes badly.
- 03The first anyone hears about a breach is a letter from the lender, and by then the leverage has moved entirely to one side of the table.
In plain words
Facility and Loan Agreement Documentation
Drafting, review and negotiation of facility and loan agreements — the drawdown mechanics, interest and fees, conditions precedent, representations, financial and general covenants, events of default and their consequences, together with the security package supporting the facility.
What good looks like
Imagine knowing exactly which covenants your business is tested against, when they are tested, and how much headroom you have. Restrictions negotiated to fit how you actually operate. A facility that funds the business rather than constraining it in ways nobody anticipated.
What you get
What we deliver
Scope and fee are agreed in writing before any work starts, so you know exactly what you are getting.
- 01
Term sheet review with the real obligations identified
- 02
Covenants and restrictions reviewed against your operating reality
- 03
Facility agreement and security documentation drafted or reviewed
- 04
Conditions precedent managed through to drawdown
- 05
Advice on stamping, charge registration and discharge
How we work
Clear from the first conversation
- 1
Send a short request
Tell us what the matter is about. It takes under a minute and stays confidential.
- 2
Akmal sets a time with you
We reply within 30 minutes in office hours to arrange your consultation, online or at our KL or JB office.
- 3
Advice, then a written proposal
You get a clear view of the issues and options, then a written scope and fee proposal.
- 4
Work begins on the agreed scope
Akmal leads the matter with a team of our lawyers, working to the scope you approved. You get regular updates at every key step.
Who leads your matter
Led by Akmal Saufi, supported by our team
Akmal leads your matter as Partner. Depending on the work, other lawyers in our team handle parts of it day to day, with Akmal overseeing the matter.
Akmal Saufi
Partner, Messrs Akmal Saufi & Co
- Advocate & Solicitor, Malaysia
- Over 13 years in transactional work: M&A, joint ventures, land and infrastructure
- LLB (Hons), International Islamic University Malaysia
The team behind your matter
Meet the team →Who we have acted for
Organisations we have acted for
Federal government agencies & statutory bodies
Johor state bodies & local authorities
Government-linked companies
Private sector & NGOs
Shown with permission. Government agencies, statutory bodies and government-linked companies are identified as such. Their inclusion does not imply endorsement by any government, ministry or agency.
Next step
Request a consultation with Akmal
- 1Send a short request. It takes under a minute.
- 2Akmal reviews it and arranges a time with you.
- 3You get clear advice, then a written scope and fee proposal.
We reply within 30 minutes · Mon–Fri, 8:30am–5:30pm
Your details stay confidential. Sending a request does not mean you have appointed us.
- Licensed advocates & solicitors
- Professional indemnity insured
- Offices in KL & JB
Questions
Frequently asked questions
Still unsure? Send a short request and Akmal will tell you plainly whether and how we can help.
Can we negotiate a bank's standard facility agreement?
What security will be required?
What happens if we breach a covenant?
Do intercompany loans need formal documentation?
Can you act for the lender?
What is Legal That Works?
What if I’m not sure what legal service I need?
Who will be helping me?
Before you sign
The cost of waiting
Covenants are negotiable before acceptance and very rarely afterwards. Once drawn down, a variation is a request rather than a negotiation.
We reply within 30 minutes · Mon–Fri, 8:30am–5:30pm
