Syndication and transfer of loans

This overview is a guide to the Banking & Finance content in the Syndication and transfer of loans subtopic, with links to appropriate materials.

Why lenders transfer loans

There are times when a lender might want to get back some of the money it has lent to a borrower before the borrower is due to repay it.

If the borrower is performing its obligations under the loan agreement, the lender cannot demand early repayment of the loan or take any steps to recover amounts from the borrower. The only option therefore, is to look to transfer the loan to another lender.

Transferring the loan might be the objective from the outset of the transaction. For example, on syndicated transactions, one or more lenders underwrite the facilities with a view to transferring some or all of their commitments once a syndicate of lenders has been formed. Commitments may then continue to be transferred during the life of the facility in the secondary market.

Transferring loans also enables a lender to:

•
change the profile of its balance sheet to ensure that it meets internal and external capital

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