Term Sheet & Facility Agreement
Drafting for bilateral and syndicated loans.
Surabaya · East Java · Indonesia
Credit Agreement Lawyer Surabaya — Loan Documentation & Covenant Negotiation
Integra Law Office drafts and reviews credit agreements for banks and corporate borrowers in Surabaya — term sheets, facility agreements, and intercreditor arrangements.
Strong credit documentation in East Java's financial centre.
Surabaya is East Java's financial hub, with national and regional banks extending credit to manufacturing, trading, and logistics sectors. Every corporate credit facility requires comprehensive OJK-compliant documentation.
A poorly drafted credit agreement does not show its flaws when things go well. Problems emerge during default — ambiguous covenants or unregistered security can cause significant losses.
When you need a credit agreement lawyer.
Extending or receiving a credit facility and need comprehensive documentation.
Borrower needing covenant review and negotiation.
Refinancing or restructuring an existing credit facility.
Credit agreement law in Indonesia.
Credit agreements are governed by the Civil Code, OJK lending regulations, and Bank Indonesia risk management rules. Security arrangements are governed by the Fiduciary Security Law (UU 42/1999) and Mortgage Law (UU 4/1996).
How we handle credit agreements.
We approach every credit agreement from both sides: legal perfection and commercial reality. For lenders, we ensure strong security packages. For borrowers, we negotiate proportional covenants.
Credit Agreement Services
Covenant Review & Negotiation
Review of covenants, conditions precedent, and default mechanisms.
Intercreditor Agreement
Intercreditor arrangements for multi-lender facilities.
Frequently Asked Questions
Does a borrower need a separate lawyer from the bank?
Yes. The bank's lawyer protects the bank's interests. Borrowers need their own lawyer to review covenants and negotiate risky provisions.
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Request a credit agreement consultation.
Describe your credit agreement needs. A senior partner will respond within one business day.