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1. Parties: Identification of the financing party (lender) and the recipient (borrower), including full legal names and addresses
2. Background: Context of the financing arrangement, purpose of the facility, and relevant business relationship between the parties
3. Definitions: Detailed definitions of terms used throughout the agreement, including financial terms, technical references, and document references
4. Facility Details: Specific details of the financing facility, including amount, purpose, and basic terms
5. Conditions Precedent: Prerequisites that must be satisfied before the financing becomes available
6. Drawdown Mechanics: Procedures and requirements for accessing the financing facility
7. Interest/Profit Rate and Fees: Specification of applicable interest/profit rates (ensuring Sharia compliance if required), fees, and calculation methods
8. Repayment Terms: Schedule and mechanics of repayment, including early repayment provisions
9. Security and Guarantees: Details of any security or guarantees required to secure the financing
10. Representations and Warranties: Statements of fact and assurances given by the borrower
11. Covenants: Ongoing obligations of the borrower throughout the financing period
12. Events of Default: Circumstances that would constitute a default and their consequences
13. Governing Law and Jurisdiction: Specification of UAE law as governing law and relevant jurisdiction for disputes
1. Islamic Finance Provisions: Required when the financing needs to be Sharia-compliant, detailing specific Islamic finance structures and requirements
2. Assignment and Transfer: Include when either party may need to transfer their rights or obligations
3. Increased Costs and Tax Provisions: Relevant when cross-border elements exist or specific tax considerations apply
4. Agency Provisions: Required when multiple lenders are involved and an agent will act on their behalf
5. Account Bank Arrangements: Include when specific banking arrangements or account structures are required
6. Step-In Rights: Relevant for project financing or when lender may need to take control in certain circumstances
7. Force Majeure: Optional clause detailing circumstances beyond parties' control that may affect the agreement
1. Facility Terms Schedule: Detailed terms of the facility including amounts, rates, and key dates
2. Conditions Precedent Schedule: Comprehensive list of all required documents and conditions to be satisfied
3. Form of Drawdown Notice: Template for borrower to request disbursement of funds
4. Repayment Schedule: Detailed breakdown of repayment dates and amounts
5. Security Documents: Forms of security documents and guarantees required
6. Fee Schedule: Detailed breakdown of all applicable fees and charges
7. Form of Compliance Certificate: Template for periodic compliance reporting by borrower
8. Contact Details: List of authorized representatives and contact information for both parties
Affiliate
Availability Period
Business Day
Conditions Precedent
Default
Default Rate
Drawdown Date
Drawdown Notice
Facility
Facility Amount
Finance Documents
Financial Indebtedness
Financial Statements
Financing Party
Governing Law
Interest Period
Interest Rate
Material Adverse Effect
Maturity Date
Obligor
Payment Date
Permitted Security
Potential Default
Recipient
Repayment Date
Repayment Schedule
Security
Security Documents
Specified Time
Tax
UAE Dirham
Utilization
Warranties
Working Capital
Facility Terms
Purpose
Conditions Precedent
Drawdown
Interest
Repayment
Prepayment
Security
Representations
Warranties
Covenants
Information Undertakings
Financial Covenants
General Undertakings
Events of Default
Remedies
Changes to Parties
Payment Mechanics
Set-off
Notices
Calculations
Amendments
Confidentiality
Counterparts
Severability
Waiver
Assignment
Third Party Rights
Governing Law
Dispute Resolution
Force Majeure
Indemnification
Costs and Expenses
Entire Agreement
Banking and Financial Services
Real Estate and Construction
Manufacturing and Industrial
Trading and Commerce
Healthcare
Education
Technology and Communications
Energy and Utilities
Transportation and Logistics
Hospitality and Tourism
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Finance
Business Development
Credit
Operations
Company Secretariat
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Compliance Officer
Risk Manager
Corporate Finance Manager
Financial Controller
Business Development Director
Project Finance Manager
Investment Manager
Managing Director
CEO
Company Secretary
Credit Risk Officer
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