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1. Parties: Identification and details of the finance provider and the business recipient
2. Background: Context of the financing arrangement and purpose of the facility
3. Definitions: Detailed definitions of terms used throughout the agreement
4. Facility: Details of the financial facility including amount, purpose, and availability
5. Conditions Precedent: Conditions that must be satisfied before the facility becomes available
6. Drawdown: Procedures and requirements for accessing the facility
7. Interest and Fees: Interest rates, calculation methods, and applicable fees
8. Repayment: Terms and schedule of repayment including prepayment provisions
9. Representations and Warranties: Statements of fact and assurances given by the borrower
10. Covenants: Positive and negative obligations of the borrower during the facility period
11. Events of Default: Circumstances that constitute default and consequences
12. Security: Details of security/collateral arrangements
13. Governing Law and Jurisdiction: Specification of UAE law as governing law and jurisdiction details
1. Islamic Finance Compliance: Required if the facility needs to comply with Shariah principles
2. Guarantees: Include when third-party guarantees are part of the security structure
3. Insurance: Detailed insurance requirements for specific types of facilities or secured assets
4. Assignment and Transfer: Include if either party needs the right to assign or transfer their rights
5. Agency Provisions: Required for syndicated facilities with multiple lenders
6. Set-off Rights: Include when the lender requires explicit set-off rights
7. Force Majeure: Include for longer-term facilities or where specific market risks need to be addressed
8. Anti-Money Laundering: Include for compliance with UAE Central Bank requirements
1. Facility Details: Detailed terms of the facility including limits, pricing, and specific conditions
2. Form of Drawdown Notice: Template for drawdown requests
3. Repayment Schedule: Detailed amortization or repayment schedule
4. Security Documents: List and copies of all security documents
5. Conditions Precedent Documents: List of required documents and evidence
6. Financial Covenants: Detailed financial ratios and calculations
7. Permitted Security Interests: List of pre-approved security interests
8. Form of Compliance Certificate: Template for periodic compliance reporting
Availability Period
Business Day
Conditions Precedent
Default
Default Rate
Dirham
Drawdown
Drawdown Date
Drawdown Notice
Event of Default
Facility
Facility Amount
Facility Period
Finance Documents
Financial Indebtedness
Financial Statements
Financing Rate
Governing Law
Interest Period
Interest Rate
Legal Requirements
Material Adverse Effect
Maturity Date
Outstanding Amount
Payment Date
Permitted Security Interest
Potential Default
Principal Amount
Prohibited Activity
Relevant Authority
Repayment Date
Repayment Schedule
Security
Security Agreement
Security Assets
Security Documents
Security Interest
Security Provider
Shariah Principles
Subsidiary
Tax
Transaction Documents
UAE Central Bank
VAT
Facility Terms
Purpose
Conditions Precedent
Drawdown
Interest
Fees and Charges
Repayment
Prepayment
Security
Representations and Warranties
Covenants
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Acceleration
Payment Mechanics
Set-off
Assignment and Transfer
Changes to Parties
Notices
Calculations and Certificates
Partial Invalidity
Remedies and Waivers
Amendments and Waivers
Confidentiality
Counterparts
Governing Law
Dispute Resolution
Process Agent
Force Majeure
Anti-Money Laundering
Compliance with Laws
Islamic Finance Compliance
Banking and Financial Services
Real Estate and Construction
Manufacturing and Industrial
Trading and Commerce
Healthcare
Technology and Communications
Hospitality and Tourism
Retail
Energy and Utilities
Transportation and Logistics
Professional Services
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit
Operations
Business Development
Islamic Banking
Company Secretariat
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Compliance Officer
Risk Manager
Corporate Banking Manager
Credit Analysis Manager
Business Development Director
Financial Controller
Company Secretary
Managing Director
CEO
Operations Director
Relationship Manager
Islamic Finance Specialist
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