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1. Parties: Identification of the lender and borrower with full legal names and addresses
2. Background: Context of the credit facility, purpose of the loan, and brief description of the arrangement
3. Definitions: Detailed definitions of terms used throughout the agreement
4. Facility Details: Specific details of the credit facility including amount, purpose, and type of facility
5. Interest and Fees: Interest rate(s), calculation method, fees, charges, and payment terms
6. Drawdown: Conditions and procedures for drawing down the facility
7. Repayment Terms: Repayment schedule, prepayment provisions, and payment mechanics
8. Representations and Warranties: Statements of fact and assurances given by the borrower
9. Covenants: Positive and negative obligations of the borrower during the facility period
10. Events of Default: Circumstances constituting default and consequences thereof
11. Security: Details of any security or guarantees provided for the facility
12. Conditions Precedent: Conditions that must be satisfied before the facility becomes available
13. Boilerplate Clauses: Standard legal provisions including notices, amendments, governing law, etc.
1. Islamic Finance Provisions: Required when the facility needs to be Sharia-compliant, including specific structuring and terminology
2. Syndication Provisions: Required for syndicated facilities involving multiple lenders
3. Currency Provisions: Required for multi-currency facilities or cross-border transactions
4. Tax Provisions: Detailed tax clauses required for cross-border facilities or specific tax structures
5. Assignment and Transfer: Required when the facility may be transferred or syndicated in the future
6. Agency Provisions: Required for facilities involving an agent bank or security agent
7. Account Bank Provisions: Required when specific account arrangements are needed
8. Insurance Requirements: Detailed insurance provisions required for secured facilities
1. Facility Summary: Detailed breakdown of facility amounts, pricing, and key terms
2. Conditions Precedent Documents: List of required documents and conditions to be satisfied
3. Form of Drawdown Notice: Template for borrower to request drawdown of the facility
4. Repayment Schedule: Detailed amortization schedule if applicable
5. Security Documents: Forms of security documents and guarantees
6. Financial Covenants: Detailed financial ratios and calculations
7. Form of Compliance Certificate: Template for periodic compliance reporting
8. Permitted Security: List of security interests permitted under the agreement
Facility Amount
Interest Rate
Interest Period
Business Day
Drawdown Date
Repayment Date
Security
Security Documents
Event of Default
Material Adverse Effect
Financial Indebtedness
Permitted Security
Compliance Certificate
Financial Statements
Availability Period
Margin
Default Rate
Facility Period
Guarantor
Security Provider
Secured Assets
Permitted Distribution
Financial Covenants
Calculation Date
Interest Payment Date
Maturity Date
Outstanding Amount
Potential Event of Default
Conditions Precedent
Utilization
Designated Account
Finance Documents
Secured Obligations
Repayment Schedule
Borrower
Lender
Effective Date
Affiliate
Authority
Change of Control
Dirham
Encumbrance
Subsidiary
Tax
Working Capital
Interest and Fees
Repayment
Security
Representations and Warranties
Covenants
Events of Default
Conditions Precedent
Drawdown
Payments
Set-off
Assignment and Transfer
Confidentiality
Notices
Amendments and Waivers
Governing Law
Dispute Resolution
Force Majeure
Indemnification
Costs and Expenses
Tax
Currency
Financial Covenants
Information Undertakings
Security Enforcement
Acceleration
Severability
Counterparts
Entire Agreement
Third Party Rights
Banking & Financial Services
Real Estate & Construction
Manufacturing & Industrial
Energy & Utilities
Healthcare
Technology & Telecommunications
Retail & Consumer
Transport & Logistics
Hospitality & Tourism
Education
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit Administration
Company Secretariat
Executive Management
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Compliance Officer
Credit Risk Manager
Relationship Manager
Corporate Banking Manager
Finance Manager
Company Secretary
Managing Director
CEO
Head of Legal
Head of Credit
Risk Officer
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