WILMINGTON, Del.--Energy Future Holdings Corp. launched a crucial hearing on financing its $42 billion bankruptcy by announcing it had reached an accord with some key critics and by winning final approval of a $4.475 billion loan.

Agreements reached in recent days cleared the way for final approval of the loan, which is designed to support operations at Energy Future's Texas Competitive Electric Holdings division while the Texas power company revamps its balance sheet in Chapter 11.

Federal bankruptcy monitors and the official committee of unsecured creditors had challenged the loan but came to terms with Energy Future, said company lawyer Edward Sassower of Kirkland & Ellis LLP. Additionally, a partial accord was reached with a major contingent of institutions holding Texas Competitive unsecured debt, Mr. Sassower said.

A related cash collateral order also won provisional approval over the protests of creditors who said Energy Future had agreed to pay approximately $100 million a month in unnecessary fees to get authority to use its cash while operating in Chapter 11. "$2.5 billion is going to be drained out of this estate over a two-year period" in payments to lenders, said Thomas Lauria, attorney for a contingent of unsecured creditors. "It's almost irresponsible," Mr. Lauria said.

Judge Christopher Sontchi indicated at Thursday's hearing in the U.S. Bankruptcy Court in Wilmington, Del., that he would approve both the final loan for Texas Competitive and the cash-authorization arrangement, even though he termed the lender payments "generous." Judge Sontchi refused to approve extra concessions demanded by the lenders. A lawyer for Energy Future said it would have to consult with the lenders to see if they would still authorize cash use, without those extra concessions.

The bankruptcy loan to Texas Competitive offers assurance to the power company's business partners that money won't run short while fights rage on with creditors. While the loan won interim approval earlier in Energy Future's bankruptcy case, creditors have since organized and had criticized the deal.

Christopher Shore, attorney for institutions owning $2.7 billion of unsecured debt, said that while the group has serious problems with Energy Future's restructuring plan, "in almost all instances we have been able to agree" on actions needed to stabilize the business.

The Dallas company filed for Chapter 11 protection in April after months of negotiations about how to dig out from an overload of debt, the legacy of a 2007 leveraged buyout.

Some creditors agreed to go along with Energy Future and signed on to a restructuring support agreement that commits them to support a Chapter 11 plan that splits the company in two and hands out equity to appease some creditors.

According to Energy Future, there isn't enough value in the business to cover all the debts, and some $7.7 billion of debt attached to the Texas Competitive Electric division is in danger of getting little or nothing out of the bankruptcy, one of the largest Chapter 11 cases ever filed.

On Thursday, Mr. Sassower said Energy Future wants "to be clear that they are not locked in to the" restructuring support agreement. If a better approach comes along, "or if the facts and circumstances change," the company lawyer said, Energy Future will consider alternatives.

The company already has agreed to weigh a competing $1.9 billion bankruptcy loan for another major division, Energy Future Intermediate. That loan is slated for review at the end of June.

A third major piece of Energy Future's financing, a $5.4 billion loan to refinance Intermediate division debt, comes up for discussion Friday.

The Intermediate division owns an 80% stake in Oncor, a transmissions business that isn't involved in the bankruptcy.

Write to Peg Brickley at peg.brickley@wsj.com

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