The Private Lending Term Sheet Template is designed for use in the United Arab Emirates when parties seek to document the preliminary terms of a private loan arrangement. This document serves as a foundational instrument that precedes the full loan agreement, capturing essential commercial terms while ensuring compliance with UAE federal laws, including UAE Federal Law No. 5 of 1985 (Civil Code) and relevant Central Bank regulations. The template is structured to accommodate various lending scenarios, from simple personal loans to complex corporate arrangements, incorporating provisions for both conventional and Islamic finance structures. It includes key information such as facility details, pricing, security requirements, conditions precedent, and basic covenants, while remaining adaptable to specific transaction requirements. This document is particularly valuable in the UAE market where private lending plays a significant role in both personal and business financing, offering a structured approach to documenting lending terms in accordance with local legal requirements.
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1. Parties: Identification of the lender and borrower with full legal names and addresses
2. Background: Brief context of the lending arrangement and purpose of the facility
3. Definitions: Key terms used throughout the term sheet
4. Facility Details: Type, amount, and purpose of the loan facility
5. Interest Rate and Fees: Applicable interest rate, calculation method, and any associated fees
6. Drawdown: Conditions and process for drawing down the loan
7. Repayment Terms: Payment schedule, prepayment provisions, and payment mechanics
8. Security: Details of any collateral or guarantees required
9. Conditions Precedent: Conditions that must be satisfied before the loan becomes available
10. Representations and Warranties: Standard declarations made by the borrower
11. Covenants: Ongoing obligations of the borrower during the loan term
12. Events of Default: Circumstances that would trigger default and remedies available
13. Governing Law and Jurisdiction: Confirmation of UAE law application and dispute resolution provisions
1. Islamic Finance Compliance: Required if the loan needs to be Sharia-compliant, detailing the Islamic structure used
2. Tax Provisions: Include if there are specific tax implications or withholding requirements
3. Assignment and Transfer: Include if either party may need to transfer their rights or obligations
4. Information Undertakings: Include for more complex loans requiring ongoing financial reporting
5. Financial Covenants: Include for business loans requiring specific financial metrics to be maintained
6. Change of Control: Include if borrower is a company and ownership changes need to be restricted
7. Co-Borrower Provisions: Include if there are multiple borrowers
8. Currency Provisions: Include if the loan involves multiple currencies
1. Repayment Schedule: Detailed amortization table showing payment dates and amounts
2. Form of Drawdown Notice: Template for borrower to request loan disbursement
3. Security Details: Detailed description of collateral and security arrangements
4. Conditions Precedent Documents: List of required documents and conditions to be satisfied
5. Fee Schedule: Breakdown of all applicable fees and charges
6. Form of Compliance Certificate: Template for periodic compliance reporting if required
7. Contact Details: List of authorized representatives and their contact information
Relevant legal definitions
Advance
Agreement
Business Day
Borrower
Conditions Precedent
Default Interest Rate
Drawdown Date
Drawdown Notice
Event of Default
Facility
Final Maturity Date
Financial Indebtedness
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan Amount
Material Adverse Effect
Payment Date
Permitted Purpose
Principal
Repayment Date
Repayment Schedule
Security
Security Documents
Specified Currency
Tax
Transaction Documents
Default
Facility Period
Disbursement
Guarantor
Security Provider
Secured Assets
Profit Rate
Governing Law
Relevant Jurisdiction
Financial Statements
Authorized Signatory
Confidential Information
Agreement
Business Day
Borrower
Conditions Precedent
Default Interest Rate
Drawdown Date
Drawdown Notice
Event of Default
Facility
Final Maturity Date
Financial Indebtedness
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan Amount
Material Adverse Effect
Payment Date
Permitted Purpose
Principal
Repayment Date
Repayment Schedule
Security
Security Documents
Specified Currency
Tax
Transaction Documents
Default
Facility Period
Disbursement
Guarantor
Security Provider
Secured Assets
Profit Rate
Governing Law
Relevant Jurisdiction
Financial Statements
Authorized Signatory
Confidential Information
Clauses
Parties
Recitals
Definitions
Facility Terms
Interest Calculation
Fees and Charges
Disbursement
Repayment
Prepayment
Security
Conditions Precedent
Representations and Warranties
Covenants
Information Undertakings
Financial Covenants
Events of Default
Remedies
Assignment
Notices
Confidentiality
Force Majeure
Amendments
Indemnification
Set-off Rights
Islamic Finance Compliance
Tax Provisions
Currency Provisions
Further Assurance
Severability
Entire Agreement
Governing Law
Dispute Resolution
Recitals
Definitions
Facility Terms
Interest Calculation
Fees and Charges
Disbursement
Repayment
Prepayment
Security
Conditions Precedent
Representations and Warranties
Covenants
Information Undertakings
Financial Covenants
Events of Default
Remedies
Assignment
Notices
Confidentiality
Force Majeure
Amendments
Indemnification
Set-off Rights
Islamic Finance Compliance
Tax Provisions
Currency Provisions
Further Assurance
Severability
Entire Agreement
Governing Law
Dispute Resolution
Relevant Industries
Financial Services
Real Estate
Construction
Manufacturing
Trading
Healthcare
Education
Technology
Retail
Hospitality
Professional Services
Family Offices
Small and Medium Enterprises
Agriculture
Relevant Teams
Legal
Finance
Compliance
Risk Management
Treasury
Credit
Investment
Corporate Banking
Private Banking
Business Development
Operations
Documentation
Relevant Roles
Chief Financial Officer
Finance Director
Legal Counsel
Compliance Officer
Credit Manager
Investment Manager
Business Development Manager
Risk Manager
Treasury Manager
Private Banker
Relationship Manager
Financial Controller
Corporate Lawyer
Investment Advisor
Loan Officer
Banking Executive
Family Office Manager
Business Owner
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