Cash Loan Contract Template for United Arab Emirates

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Cash Loan Contract

I need a Cash Loan Contract for a secured corporate loan of AED 5 million to be disbursed by March 2025, with the borrower's commercial property in Dubai serving as collateral and including quarterly financial reporting requirements.

Document background

The Cash Loan Contract is a fundamental financial instrument used in the United Arab Emirates for both personal and business lending purposes. This document is essential when any financial institution or licensed lender provides monetary loans to borrowers within the UAE jurisdiction. It must comply with UAE Federal Law No. 5 of 1985 (Civil Code), UAE Federal Law No. 14 of 2018 (Central Bank Law), and relevant Central Bank regulations regarding interest rates and banking operations. The contract typically includes detailed terms about loan disbursement, repayment schedules, security arrangements, and default provisions. When used in Islamic banking contexts, the Cash Loan Contract must also incorporate Sharia-compliant structures and avoid conventional interest mechanisms. The document serves as a legally binding agreement that protects both lender and borrower interests while ensuring regulatory compliance in the UAE financial sector.

Suggested Sections

1. Parties: Identification of the lender and borrower with full legal names and addresses

2. Background: Context of the loan agreement and brief description of the parties' intentions

3. Definitions: Definitions of key terms used throughout the agreement

4. Loan Amount and Purpose: Specification of the principal amount and stated purpose of the loan

5. Disbursement: Terms and conditions for the disbursement of the loan amount

6. Interest/Profit Rate: Specification of the applicable interest/profit rate, calculation method, and compliance with UAE Central Bank regulations

7. Repayment Terms: Schedule of repayments, payment methods, and prepayment provisions

8. Security: Details of any security or collateral provided for the loan

9. Representations and Warranties: Statements of fact and assurances given by the borrower

10. Borrower's Covenants: Ongoing obligations and commitments of the borrower

11. Events of Default: Circumstances constituting default and consequences thereof

12. Termination: Conditions and procedures for early termination of the agreement

13. Governing Law and Jurisdiction: Specification of UAE law as governing law and jurisdiction for disputes

14. Notices: Process and requirements for formal communications between parties

15. Execution: Signature blocks and execution formalities

Optional Sections

1. Shariah Compliance Declaration: Required if the loan needs to be explicitly Shariah-compliant, stating compliance with Islamic financing principles

2. Guarantor Provisions: Include when a third-party guarantor is involved in securing the loan

3. Insurance Requirements: Include when specific insurance coverage is required for the borrower or any collateral

4. Assignment and Transfer: Include when either party may need to transfer rights or obligations under the agreement

5. Joint and Several Liability: Include when there are multiple borrowers

6. Currency Provisions: Include when the loan or repayments involve multiple currencies

7. Force Majeure: Include when specific provisions for unforeseen circumstances are required

Suggested Schedules

1. Schedule 1 - Repayment Schedule: Detailed amortization schedule showing payment dates, amounts, and breakdown of principal and interest/profit

2. Schedule 2 - Security Details: Detailed description of any security or collateral provided

3. Schedule 3 - Conditions Precedent: List of documents and conditions required before loan disbursement

4. Schedule 4 - Form of Drawdown Notice: Standard form for requesting loan disbursement

5. Schedule 5 - Fees and Charges: Detailed breakdown of all applicable fees and charges

6. Appendix A - Required Documents: List of supporting documents required from the borrower

7. Appendix B - Compliance Certificates: Templates for ongoing compliance certification

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co

Relevant legal definitions

Clauses

Relevant Industries

Banking

Financial Services

Islamic Banking

Corporate Finance

Real Estate

Construction

Retail

Manufacturing

Trading

Professional Services

Small and Medium Enterprises

Healthcare

Education

Hospitality

Relevant Teams

Legal

Finance

Compliance

Risk Management

Treasury

Corporate Banking

Retail Banking

Credit Administration

Operations

Commercial

Documentation

Internal Audit

Islamic Banking

Relevant Roles

Chief Financial Officer

Finance Manager

Legal Counsel

Compliance Officer

Credit Manager

Risk Manager

Banking Relationship Manager

Treasury Manager

Financial Controller

Corporate Banking Officer

Loan Officer

Legal Director

Company Secretary

Commercial Director

Business Development Manager

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Authors

Alex Denne

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