Equipment Loan Agreement: Comprehensive Form For The Loan: Fill & Download for Free

Here's a pretty comprehensive list, but use some of your high cash flow to get a lawyer. You don't want to screw this up.Copies of charter documents and by-laws of the Company with all amendments to date;All minutes of meetings (or written consents) of the Board of Directors, committees of the Board of Directors and shareholders of the Company since inception;All agreements, memoranda and offering materials pursuant to which any person has purchased or has the right to purchase securities of the Company;All agreements under which any person has registration rights, preemptive rights or rights of first refusal for shares of any class of shares of the Company;All share option, warrant or other agreements granting the right to purchase any securities of the Company;The share record books of the Company and all shareholders’ agreements, voting trusts or other agreements pertaining to, or restricting the sale, transfer or voting of, shares of the Company;A schedule of all direct and indirect subsidiaries and affiliates of the Company (including minority-owned subsidiaries and affiliates), all owners of securities of such subsidiaries and affiliates and the number of shares held;A schedule of all material transactions involving the Company and any shareholder, director or officer or any other affiliate of the Company and any agreements pertaining to the foregoing, including any share purchase agreements, lease agreements, management agreements, indemnity agreements and loans to or by an officer, shareholder or director;All employment and consulting agreements to which the Company is a party.All profit-sharing, pension, bonus, incentive, superannuation or other similar compensation or retirement plans or arrangements, medical and insurance plans or any other employee benefit agreements, whether formal or informal, and any determination letters relating thereto and drafts of any similar or proposed plan.All loan agreements, line of credit agreements, indentures, mortgages or other debt instruments or arrangements (including, without limitation, any guarantees or obligations of other persons), and any documents pertaining thereto, including, without limitation, all security agreements, notices, waivers, extensions and modifications, and any proposed amendments thereto;Copies of any debt compliance letters provided by the Company (or its Auditors) and supporting calculations;All agreements involving the pledge, hypothecation or giving of any security interest in any of the Company’s assets or property or equipment leases;All leases and related agreements pertaining to real property, equipment or other property, products or services of the Company;All deeds, mortgages and title reports and policies for all real property owned by the Company;A schedule of all fixed assets owned by the Company;All marketing, sales or distribution agreements, including proposed agree¬ments;A list of all partners and copies of all partner agreements.All service contracts, research contracts, product development contracts and consulting agreements in connection with the development of any products or services of the Company;Copies of any agreements with sales agents, distributors, resellers, or individuals who have within the past three years provided services to the Company.Any agreements where the Company has been an agent, distributor, or reseller for another firm or product.All joint venture and partnership agreements to which the Company is a party;All confidentiality agreements or non-competition agreements;A schedule showing all United States and foreign patents, trademarks, trade names and copyrights owned, held, or applied for by the Company and all correspondence, reports and notices relating to such patents and the applications therefor;All licenses, assignments and royalty agreements to which the Company is a party, including, without limitation, any such agreements relating to products, know-how, patents, trademarks, trade names and copyrights;Details of any actual or claimed infringement by the Company or its officers of the intellectual property rights of any other person;Details of any existing dispute in respect of the intellectual rights owned, used or enjoyed by the Company;Confirmation from patent attorneys for the Company confirming the ownership position and/or status of all intellectual property;Copies of all governmental licenses, permits, approvals, authorizations and consents;Copies of market studies made by or for the Company and copies of all articles, brochures and press releases issued by the Company relating to the Company’s business, products or material events issued within the last five years;All pleadings and correspondence and other documents relating to any threatened or pending litigation involving the Company as plaintiff or defendant, as well as copies of all settlement agreements entered into within the last five years relating to any material litigation;A description of any bankruptcy, winding up, proposed winding up, arrangements with creditors, scheme or arrangement, receivership, official management, administration or insolvency, criminal or other judicial proceeding pending, expected or completed within the last ten years involving any of the Company’s officers and directors (including persons nominated to those positions);All agreements with finders, brokers or underwriters;Copies of all material contracts not otherwise covered above;Copies of all counsel’s letters to the Company or to the Company’s accountants with respect to litigation, contingent liabilities and other matters for the last 3 years;Copies of the Company’s audited financial statements for the three most recent fiscal years. Any and all other audited or reviewed financial statements and the name and telephone number of the audit partner and manager who worked on the account;Copies of all management representation letters to, and reports issued by, the Company’s independent accountants;A detailed description of the Company’s capitalization of expenses, including but not limited to software development.Description of any other deferred revenue or expenses or accrued revenues or expenses.All management, marketing, sales, market size and nature or similar reports or memoranda relating to future business plans or projections which have been prepared by or for the Company. Copies of operating plans for current year and next year;A complete list of all customers (paying and non-paying) with annual volume indicated. Copies of any agreements or contracts which govern the relationship with customers, including but not limited to service agreements. The number of new customers acquired each of the last three years. The number of customers lost in each of the last three years;Access to the audit and tax work papers of the Company’s Independent Auditors relating to the most recent year ended.Detailed internal annual financial statements for last 3 years (P+L, Balance Sheet and Cash Flows) This should include budget to actual comparisons, if available, with any related management discussion of results of operations;Detailed monthly internal financial statements for the current and prior year, including budget to actual comparisons, if available, with any related management discussion of results; Forecasted financial statements and cash flow for next 3 years;Copies of any current strategic plans, business plans for board, advisors or potential purchasers.Copy of federal tax returns for last 3 years;List of states in which Company does business and a copy of income, franchise and sales tax returns for each state for last 3 years;Status of federal and state tax examinations, and a copy of any revenue agent reports received in prior examinations;Summary of any tax loss carryforwards available;Analysis of current and deferred tax provision and liability accounts at for last 3 year-ends;Summary list of cash accounts, including list of restrictions;List of investments;Amount of account receivable gross balance and related reserves for last 3 years.Summary of amount of receivable write-offs for last 3 years;Summary of fixed assets by major component at most recent year-end, and most recent interim date;Summary of accrued liabilities at most recent interim date, comparable date of prior year, and last year-end;Estimate of value of any assets or potential liabilities not on the balance sheet;Schedule of any unusual or non-recurring items included in income for the last 3 years;List of identifiable intangible assets, whether reflected on financial statements or not.

1 Short Answer1.1 The United States became the greatest mercantile economy in the world in 1945 due to FDR’s American Economic Miracle 1938-44, or the First Economic Bomb - The USA from 1938 to 1944 (Part 1) which was based uponFair wages for American workersVast amounts (up to 29% of GDP in one year) of FED no-cost investment credit creation which funded better docks and road transport and above all munitions factories which poured out over 300,000 planes (and over 50,000 of these were heavy bombers) and the government-funded 50 artificial rubber companies, over 40 steel plants and the many super-strong aluminium companies which made the key product which protected pilots and their fuel tanks (when installed in US fighter planes after 1942) in US dogfights with Japanese aircraftLarge flows of local bank loans to the tens of thousands of local banks which supported SMEs and obeyed FDR’s dictum that “No investment required for the war effort is to be held up for lack of funds.”Gore Vidal described FDR as the “American Augustus” - by which he meant FDR was highly intelligent, well-read and a political and economic genius. FDR smiled on everyone and integrated knowledgable businessmen into his high-investing, high-growth wartime economy. Ford’s giant factory for producing bombers from an assembly line - by 1944, Ford was rolling a Liberator off the Willow Run production line every 63 minutes, 24 hours a day, 7 days a week. - was the largest and most effective bomber-factory in the world. See Willow Run - Wikipedia1.2 After FDR died, Harry Truman became President, andhe dismantled the FED-funding facilities for US factories which had won the war for the Allies and made the USA the greatest mercantile economy in the worldhe sold into private hands at low prices the vast nearly-new factories which had produced wartime steel, artificial rubber and high-strength aluminiumperhaps above all, he ceased the local funding of SMEs which was, is and always will be, the source of the conversion of local invention into factory-floor innovation and the source of invention and new industriesGore Vidal described Harry Truman’s education as possibly “up to the US comic book level” but FDR was an impossible act for anyone to follow and Truman was inadequately equipped for the PresidencyThe Republican businessmen who had helped establish FDR’s economic miracle wanted US presidents to attack their working class (something rich conservatives have done for the last thousand years) from the 10th and 11th century pre- and post-Wang-Anshi China to the 20th and 21st century policies of Thatcher, Reagan, Cameron and Trump. The foundation of great world-dominating economic power always rests upon the wealth and welfare of the workers. Chinese politicians recognise and act upon this principle, Republican/ Conservative politicians never have. But that’s the root reason for the decline of the USA and UK and the rise of China.The transfer of the US light motor industry abroad by the government funds provided by Reagan from 1980–84 destroyed the highly prosperous coal, steel and motor manufacturing belt located in the eight states below the Great Lakes, and created the US rust belt we can see today. That transfer relocated a lot of R&D industry abroad, a fact un-noticed by Reagan.Copyright 2010 B J JennIngs and see Where Is the Rust Belt? - Belt MagazineReagan also destroyed the collective bargaining and wages arrangements FDR had legalised and established, so US productivity fell and disabled wage negotiations produced widespread poverty in the USA.2 Other Factors. These might be:The US abandonment of the Bretton Woods agreement in 1971 and the near-zero tariffs introduced from then, which enabled the establishment of the great US consumer import economy but disabled its productivity and exports . SeeThe lack of funding of SMEs in the USA reduced invention and innovation levels to about 6% of previous levels. (Hermann Simon has authored a book and a few articles about the issue of “Hidden Champions”.) See Hidden champions - Wikipediathe USA lost its best future though the introduction of ”the rule by the rich” as the dismal predictions of Oswald Spengler in his Decline of The West (for moneyed interests taking political, media and the rise-of-Caesers control of politics) and the Spengler-argues-as-inevitable cultural, communication and economic decay resulting from these developments.3 Conclusion3.1 Briefest AnswerThe rise of the USA to the greatest mercantile economy in the world in 1945 was due to FDR’s American Economic Miracle 1938-44, or the First Economic Bomb - The USA from 1938 to 1944 (Part 1) and the actions of the team of FDR&JKG (John Kenneth Galbraith).The decline of the USA to a high-consuming low-investing low-growth economy was due to the rule by the rich, which disabled SME funding and worker prosperity and promulgated Washington Consensus Macroeconomics/Monetarism/Neo-liberalism/Financialisation/Austerity which does not produce the goods.The “rule by the rich” guarantees continual low US economic growth and relative economic decline.4 CommentThis Answer is a little too near to part of my PhD studies in Southampton University for my comfort, and is close to one of my major papers. I have far too much knowledge on this subject to give a very thorough Answer here.Papers are not accepted for publication in the major academic journals if their content is already published elsewhere, so I have neither quoted sources as comprehensively as I might have, nor extended this Answer into unique data.This is one of my special subjects.Much more perhaps much later.

Education Loan for Study abroad - With universities abroad launching attractive professional opportunities, more and more Indian students are getting geared up for the experience in a new country. As the numbers are surging everyday, the demand for financial aids is also taking an upward turn. While grants are the perfect choice, huge competition deter many students from it. In that case, education loans are the best ways to fund your studies abroad. But the question is,Whom to approach for an education loan?The Indian government has framed a comprehensive education loan scheme to ensure that every deserving student is provided with financial aid to pursue higher education abroad.The scheme, formulated in consultation with RBI and Indian Banker's Association allows banks to provide loans to study abroad upto 15 lakhs in the least. However, the lending banks have discretion in fixing the maximum loan amount, provided the maximum is at least 15 lakhs.For students going study abroad there are number of formalities and requirements which need to adhered to. Visa interview deadlines keep approaching fast while the education loan approval letter is required well in time to set up the visa interview.Due to an influx on information, students get confused regarding Whom to approach for an education loan to study abroad.To simplify your problem, Careers360 brings you a list of banks and agencies, whom you can approach for an education loan to study abroad: State Bank of India:India’s largest bank, the State bank of India, under its SBI Student loan scheme provides education loan to studentswho wish to pursue education outside India.According to its website, SBI provides loansforJob oriented professional/ technical Graduation Degree courses/ Post Graduation Degree and Diploma courses like MCA, MBA, MS, etc offered by reputed universities abroad.Courses conducted by CIMA (Chartered Institute of Management Accountants) - London, CPA (Certified Public Accountant) in USA are also covered under the SBI Student loan scheme.You can expect to get a maximum loan of Rs.30 lakhs to study abroad. Since, studying abroad is a costly business, more often than not students demand loans much higher than SBI’s no-margin limit.It is SBI’s policy to charge a margin of 15% for loans exceeding Rs.4 lakhs.Also, students who approach for an education loan of more than Rs.4 lakhs for studies abroad are required to make a deposit of Rs5000, which is adjusted against the margin money or the interest payable on the loan.However, if you do not avail the loan within a period of 4 months of sanction of the loan, the amount will be forfeited by the Bank.Below is the interest rates for SBI Student loan scheme:Loan AmountRate of Interest*For loans upto Rs.4 lacs3.50% above Base Rate, currently 13.50% p.a.Above Rs.4 lacs and upto Rs.7.50 lacs3.75% above Base Rate, currently 13.75% p.a.Above Rs.7.50 lacs1.75% above Base Rate, currently 11.75% p.a.There is an added benefit of 0.50% concession in interest girl students.X factor: An interesting feature of this scheme is that there is provision for second or Top-up loan within the limit of the maximum loan amount.CLICK HERE to download the application form for SBIGet the list of terms and conditions here!HDFC Credila:A subsidiary of HDFC, Credila is the only lender in India, which is exclusively focused on Education Loans. A specialized lender of education loans Credila offers loans to:Indian students going overseasIndian students already in the USACredila processes loans starting from Rs. 1,00,000 which can go upto or exceed Rs.20,00,000.Credila covers the following costs:Tuition fees as determined by the college/UniversityUp to 100% of other expenses including living and hostel expenses, examination fees, library/laboratory fees; purchase of books / equipments/instruments/uniforms; passage money for studies abroad; purchase of computers / laptops considered necessary for completion of the course.Travel fare restricted to one economy class return ticket between India and the country of study, if applicable.X factor: Credila says that it can issue the sanction letter for a student wishing to study abroad even before he/she applies to the institute.CLICK HERE to download the application form for CredilaCredila requires the applicant to contribute supporting documents alongwith the application form.CLICK HERE to get the list of supporting documentsAXIS Bank:Axis Bank’s Education Loan is provided to students who get admission to career-oriented courses like medicine, engineering, management etc., either at graduate or post-graduate level in institutes outside India.Axis bank says it can provides education loan upto Rs. 20 lakhs for pursuing studies abroad which would cover tuition fees, hostel charges (if any), cost of books, etc.For loans above Rs 4 lakhs, there is a 15% margin for higher studies overseas.In addition, applicants are required to open an LIC policy in favour of Axis Bank for a sum equal to at least 100% of the education loan amount.The following documents are required along with your loan application:PurposeSalariedOthersProof of identityPassport or Voter's ID card or driving license or PAN card or government department ID cardPassport or Voter's ID card or driving license or PAN cardProof of incomeLatest salary slip showing all deductions or Form 16 along with recent salary certificateIT returns for the last 2 years and computation of income for the last 2 years certified by a CAProof of residenceBank account statement or latest electricity bill or latest mobile or telephone bill or latest credit card statement or existing house lease agreementBank account statement or latest electricity bill or latest mobile or telephone bill or latest credit card statement or existing house lease agreementBank statement or Pass Book where salary or income is creditedLast 6 monthsLast 6 monthsGuarantor formOptionalOptionalOther DocumentsCopy of admission letter of the Institute along with Fees schedule, mark sheets / pass certificates of S.S.C, H.S.C , Degree coursesCopy of admission letter of the Institute along with Fees schedule, mark sheets / pass certificates of S.S.C, H.S.C , Degree coursesThe interest rates are as follows:TypeAmountBase rate + mark upEducation LoanLoans greater than Rs. 4 lacs and upto Rs. 7.5 lacBase rate + 8.00%Loans greater than 7.5 lacsBase rate + 6.00%Education Loan for Girl ChildLoans greater than Rs. 4 lacs and upto Rs. 7.5 lacsBase rate + 7.50%Loans greater than 7.5 lacsBase rate + 5.50%The current base rate is 10.25%X factor: There is no processing fee Involved.in domain name is for sale. Inquire now. addition, the applicant do not have to pay Prepayment Charges and is not hassled to submit No Due Certificates or Solvency Certificate.You can apply for the Axis Bank education loan here!Besides, applicants are also required to sign an agreement with the bank.CLICK HERE to download Axis Bank Loan AgreementPunjab National Bank:The Punjab National bank provides education loan under the Saraswati Education Loan scheme.According to PNB officials, the Scheme provides financial assistance to meritorious Indian students for pursuing higher professional and technical education abroad.Maximum amount of loan provided is Rs. 20 Lakhs. For loans upto Rs.7.50 lakhs the repayment period is 10 years while for loans above Rs.7.50 lakhs the period is 15 years.Also, for Study abroad an upfront fee of 1% with a minimum of Rs. 10,000 is payable. (refundable on availability of the loan amount)PNB provides loans for:Graduation: For job oriented professional/technical courses offered by reputed universities.Post graduation: MCA, MBA, MS, etc.Courses conducted by CIMA- London, CPA in USA etc.Degree/Diploma courses like aeronautical, pilot training, shipping etc.Expenses considered for Loan: Tuition fees, Examination , Library , Laboratory fee, Purchase of academic requirements; caution money, Travel expenses for study abroad.Interest rates:VidyalakshyapurtiBase Rate SystemRepayable in less than 03 yrsRepayable in 03 yrs & aboveLoan over Rs.4 lakhs to upto 7.50 LacsBR+4.00%BR+3.50%+ TPLoan over Rs. 7.50 lakhsBR+3.50%BR+3.00%+ TPX factor: Under the Sarvottam Shiksha scheme interest rates forapplicants who already have an account with PNB is less. Below are the rates:Sarvottam Shiksha** (For Existing A/cs only)Base Rate SystemRepayable in less than 03 yrsRepayable in 03 yrs & aboveLoan over Rs.4LakhsBR+3.00%BR+2.50%+TPHSBC Premier:HSBC Premier Overseas Program helps you to plan your education abroad through educational associates. However, the assistance program is limited to only family members of Premier customers.HSBC Premier offers services for education overseas in the following ways:The bank assists in setting up an HSBC Premier bank account overseas along with credit and debit cards prior to departure.HSBC provides access to education fairs and pre-departure briefings hosted by our educational associates.You can view your HSBC accounts online using the Global View service available on HSBC Premier Internet Banking.If you wish to obtain an education loan from HSBC premier you are required to maintain a Total Relationship Balance (TRB) of Rs 2,500,000 (Rupees Twenty Five lakhs only) quarterly.Candidates also have to join HSBC Premier to apply.Global Student Loan Corporation (GSLC):The Global Student Loan Corporation(GSLC) is an agency, which offers student loans for international students that do not require a US citizen or permanent resident to co-sign the loan.GSLC provides financial aid through partnerships with lending institutions around the world and specialized loan servicers. GSLC generally works with financial institutions located in the student’s home country to provide financing for the student’s education.Expenses considered for loan: GSLC arranges financing for students to cover the complete cost of education which includes- tuition fees, books, approved housing, transportation, computer, and other approved education expenses.Besides , GSLC also helps students to determine the total cost of attending their school.X factor: GSLC says it has set no restriction in the total amount. The maximum loan amount is the cost of education less any other financial aid. Also, as mentioned above it does not require a US citizen or permanent resident to co-sign the loan.Website:http://www.globalslc.com/International Student loan program:The International Student loan program helps a student fund his/her education abroad. It has been providing international loans to students from India since 1998.You can apply for a loan up to the total cost of your education minus any other financial aid. International student loans are available year round through this programme. It can, however, be availed only for pursuing education in the USA.However, applicants are required to have a US cosigner as Indian students do not have a credit history in the country.Expenses covered: Tuition, Room and board, Books and supplies, travel and transportation, Health insurance and Living expenses.The application process starts by doing a loan comparison, which finds the best suitable loan scheme for you. Once you've completed your loan application, you will get initial approval within weeks.X factor: Applicants can compare their loans through the compare student loan option. This option allows you to the loan that is best for you.CLICK HERE to compare your loan options and apply!Avanse Financial services:Avanse is an education finance company which provides Indian students education loan to study abroad.Avanse provides a minimum loan of Rs. 1,00,000.00 but it does not have limit on the maximum amount. The maximum amount is structured to meet your necessary needs and cost of education.Expenses covered: Following are the expenses covered by Avanse100% Tuition Fee as determined by the Institute or UniversityLiving Expenses including purchase of Books, Computers and other expenses essential to complete the course (up to 75% of total living cost though not exceeding 20% of the total tuition fee)Caution Deposit / Building Fund / Refundable Deposit supported by Institution Bills / Receipts though not exceeding 10% of the total tuition fee.Travel expenses / passage money upto 75000/- for students travelling abroad.The interest rate charged by Avanse is based on Avanse Base Lending Rate benchmarked by Avanse, which is 11.5%, currently.Hence, the interest rate is equal to ABLR+Spread, where spread is determined individually and is based on analysis of the credit and course profiling.The minimum repayment period is 12 months which can go upto 120 months. Avanse charges a processing fee between 1-2% of the loan amount and is calculated on a case-to-case basis.