Markus Henze examines selected contractual clauses regarding the imposition of fees in loan agreements with business customers for their legal viability. His analysis reveals that negative reference interest rates can lead to a reduction in the loan margin and even make negative interest rates in lending possible. The course of the investigation uncovers the limitations of fee agreements that complicate the borrower's right to terminate, questions the fee level of the commitment fee in the ongoing low-interest environment, and thoroughly addresses the issue of the permissibility of processing fees in corporate loan agreements. In doing so, the author highlights the legal risks associated with these fee clauses and offers practical solutions for contract design.