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1. Parties: Identification of the lender and borrower corporations, including registration details as required under UAE law
2. Background: Context of the loan arrangement and relationship between the parties
3. Definitions and Interpretation: Key terms used throughout the agreement and rules of interpretation
4. The Facility: Details of the loan amount, purpose, and availability
5. Interest and Fees: Interest rate structure, calculation method, and any associated fees (compliant with UAE banking regulations)
6. Repayment Terms: Schedule of repayment, prepayment provisions, and payment mechanics
7. Conditions Precedent: Documents and conditions required before the loan becomes available
8. Representations and Warranties: Statements of fact and assurances from the borrower
9. Covenants: Positive and negative obligations of the borrower during the loan term
10. Events of Default: Circumstances that would trigger default and acceleration of the loan
11. Security: Core security provisions and enforcement rights
12. Changes to Parties: Assignment and transfer provisions
13. Notices: Communication procedures between parties
14. Governing Law and Jurisdiction: Confirmation of UAE law governance and jurisdiction of UAE courts
1. Multiple Drawdown Provisions: Required when the loan is to be drawn in multiple tranches
2. Syndication Provisions: Needed if there's possibility of the loan being syndicated to multiple lenders
3. Islamic Finance Provisions: Required if the loan needs to be Sharia-compliant
4. Tax Provisions: Detailed tax provisions if cross-border elements exist
5. Additional Security Rights: Required for specific types of security such as share pledges or asset mortgages
6. Guarantee Provisions: Needed if there are corporate or personal guarantees
7. Agency Provisions: Required in case of multiple lenders requiring an agent
8. Currency Provisions: Required if loan or repayments involve multiple currencies
1. Schedule 1 - Conditions Precedent Documents: List of all required documents and conditions to be satisfied before drawdown
2. Schedule 2 - Form of Drawdown Request: Template for requesting disbursement of the loan
3. Schedule 3 - Repayment Schedule: Detailed schedule of repayment dates and amounts
4. Schedule 4 - Security Documents: List and copies of all security documents
5. Schedule 5 - Notice Details: Detailed contact information for all parties
6. Schedule 6 - Form of Compliance Certificate: Template for periodic compliance reporting
7. Appendix A - Calculation of Interest: Detailed methodology for interest calculation
8. Appendix B - Form of Transfer Certificate: Template for transferring loan participation if allowed
Business Day
Conditions Precedent
Default
Default Interest
Drawdown Date
Drawdown Notice
Effective Date
Event of Default
Facility
Final Repayment Date
Finance Documents
Financial Indebtedness
Financial Statements
Governing Law
Interest Payment Date
Interest Period
Interest Rate
Legal Reservation
Loan
Material Adverse Effect
Payment Date
Permitted Security
Principal Amount
Repayment Date
Repayment Schedule
Security
Security Documents
Security Interest
Secured Obligations
Tax
UAE
UAE Dirham
Unpaid Sum
Facility Terms
Purpose
Drawdown
Interest
Repayment
Prepayment
Security
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Acceleration
Changes to Parties
Payment Mechanics
Set-off
Notices
Calculations
Amendments and Waivers
Confidentiality
Counterparts
Severability
Assignment
Third Party Rights
Governing Law
Dispute Resolution
Process Agent
Force Majeure
Anti-Money Laundering
Entire Agreement
Banking & Finance
Real Estate & Construction
Manufacturing & Industrial
Technology & Telecommunications
Healthcare & Pharmaceuticals
Retail & Consumer Goods
Energy & Resources
Transport & Logistics
Professional Services
Media & Entertainment
Legal
Finance
Treasury
Risk Management
Compliance
Corporate Secretariat
Credit
Investment
Corporate Development
Operations
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Finance Manager
Financial Controller
Risk Manager
Compliance Officer
Company Secretary
Credit Manager
Investment Director
General Counsel
Corporate Banking Manager
Business Development Director
Financial Analyst
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