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1. Parties: Identification of the lender, borrower, and any security providers
2. Background: Context of the loan arrangement and security package
3. Definitions and Interpretation: Key terms, construction rules, and interpretation principles
4. The Facility: Loan amount, purpose, availability, and drawdown conditions
5. Interest and Fees: Interest calculation, payment terms, and applicable fees
6. Repayment and Prepayment: Repayment schedule, prepayment terms, and conditions
7. Security: Creation and terms of security interests over secured assets
8. Representations and Warranties: Statements of fact and assurances from the borrower
9. Covenants: Positive and negative obligations of the borrower
10. Events of Default: Circumstances constituting default and consequences
11. Enforcement: Rights and remedies upon default, enforcement procedures
12. Payments: Payment mechanics, currency, and tax provisions
13. Changes to Parties: Assignment and transfer provisions
14. Administration: Notices, calculations, and other administrative provisions
15. Governing Law and Jurisdiction: Choice of UAE law and jurisdiction provisions
1. Islamic Finance Provisions: Required for Sharia-compliant structures, including commodity murabaha
2. Guarantees: Include when third-party guarantees are part of the security package
3. Security Agent Provisions: Required for syndicated facilities with multiple lenders
4. Intercreditor Provisions: Include when multiple creditors have claims over same security
5. Property Security Provisions: Specific provisions for real estate security
6. Share Security Provisions: Specific provisions when company shares are secured
7. Registration Requirements: Specific provisions for security registration with various UAE authorities
8. Currency Protection: Include for cross-border transactions with currency risk
9. Tax Gross-up and Indemnities: Detailed tax provisions for cross-border transactions
1. Conditions Precedent: List of required documents and conditions for drawdown
2. Form of Drawdown Request: Template for borrower to request loan disbursement
3. Repayment Schedule: Detailed schedule of repayment dates and amounts
4. Security Documents: Forms of various security documents and perfection requirements
5. Secured Assets Schedule: Detailed description of all assets subject to security
6. Form of Transfer Certificate: Template for transferring loan participations
7. Financial Covenants: Detailed financial ratios and calculations
8. Form of Compliance Certificate: Template for periodic compliance certification
9. Security Perfection Requirements: Checklist of security registration requirements
10. Contact Details: Administrative and notice details for all parties
Affiliate
Agreement
Availability Period
Banking Day
Borrower
Break Costs
Business Day
Charged Assets
Commitment
Compliance Certificate
Default
Default Rate
Drawdown Date
Drawdown Notice
Encumbrance
Event of Default
Facility
Facility Amount
Final Maturity Date
Finance Document
Financial Indebtedness
Financial Statements
Governing Law
Group
Guarantee
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Legal Reservation
Lender
LIBOR
Loan
Material Adverse Effect
Obligor
Perfection Requirements
Permitted Security
Potential Event of Default
Principal Outstanding
Purpose
Receiver
Reference Banks
Repayment Date
Repayment Schedule
Security
Security Agent
Security Assets
Security Document
Security Interest
Security Period
Security Provider
Secured Obligations
Secured Parties
Subsidiary
Tax
Transaction Document
UAE
Unpaid Sum
Facility Terms
Purpose
Conditions Precedent
Drawdown
Interest
Repayment
Prepayment
Security Creation
Security Perfection
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Acceleration
Enforcement
Security Power of Attorney
Set-off
Changes to Parties
Payment Mechanics
Currency
Tax Gross-up
Increased Costs
Costs and Expenses
Indemnities
Notices
Calculations
Amendments
Confidentiality
Governing Law
Dispute Resolution
Process Agent
Assignment
Severability
Counterparts
Banking and Financial Services
Real Estate and Construction
Manufacturing and Industrial
Trading and Commercial
Technology and Telecommunications
Healthcare
Hospitality and Tourism
Energy and Natural Resources
Transport and Logistics
Retail and Consumer Goods
Legal
Finance
Treasury
Risk Management
Compliance
Credit
Corporate Secretariat
Banking Operations
Investment
Documentation
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Treasury Manager
Risk Manager
Compliance Officer
Credit Manager
Investment Manager
Corporate Secretary
Finance Manager
Banking Relationship Manager
Security Trustee
Loan Officer
Transaction Manager
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