Before entering into a commercial loan agreement, the borrower first decides on his affairs concerning his character, his creditworthiness, his cash flow and all the guarantees he must put in collateral for a loan. These presentations are taken into account and the lender then determines the conditions under which they are willing to advance the money. Current legal framework and jurisprudence In addition to the above, in accordance with Croatian law, where a lender`s activities are not actually carried out within Croatia (but on cross-border consumption or abroad) – i.e. if the loan contract is not executed in Croatia or if the borrower`s financing offer is not carried out within Croatia (including through the lender`s representative) – the lender should be able to , to carry out this credit activity in the manner described above. In particular, some views of the Croatian National Bank believe that it may be relevant to know whether the offer was made, for example, by the reverse-demand lender. – the parties to the agreement, i.e. the lenders (which include some banks for syndicated loans) and the borrower, as well as the jurisdiction in which they find themselves – the main features of the agreement which are: – utility loan – amount and conditions of payment – the currency of the loan – certain commercial benefits: – the payment of the loan in one or more sets of payments to the borrower – the interest rate , which is attached to the loan – which has been agreed – the main parties: – the definitions Section – The terms of payment – the date and conditions of payment – representations and guarantees – the events of defaults – the various provisions (including legal and judicial provisions) – exposures, including legal advice “investment banks”, establish loan contracts to meet the needs of investors whose funds they are trying to earn; “Investors” are still highly developed and accredited organizations that are not subject to bank supervision and the need to respect public trust. Investment banking activities are overseen by the SEC and the focus is on whether the parties providing the funds are properly or properly disclosed.