The Secured Loan Note is a fundamental financing document used in the United Arab Emirates when a lender provides funding secured against specific assets of the borrower. This document is essential for transactions requiring robust security arrangements, typically used in corporate financing, asset acquisition, or business expansion scenarios. The Secured Loan Note must comply with UAE Federal Laws, including the Civil Code (Federal Law No. 5 of 1985), Commercial Code, and UAE Central Bank regulations. It includes comprehensive provisions covering loan terms, security creation, enforcement rights, and necessary registration requirements under UAE law. The document can be structured to accommodate both conventional and Islamic finance principles, making it versatile for various financing needs in the UAE market. It's particularly relevant when lenders require tangible security against their loan exposure, providing them with enforceable rights over specific assets in case of default.
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1. Parties: Identification of the Lender, Borrower, and any Security Agent or Trustee
2. Background: Context of the loan arrangement and purpose of the facility
3. Definitions: Definitions of key terms used throughout the document
4. Facility: Details of the loan amount, purpose, and drawdown conditions
5. Interest and Profit Share: Interest rate or profit rate structure, calculation methods, and payment terms
6. Repayment Terms: Schedule of repayment, prepayment provisions, and payment mechanics
7. Security: Description of security assets and creation of security interest
8. Representations and Warranties: Standard representations by the Borrower regarding legal capacity and asset ownership
9. Covenants: Positive and negative obligations of the Borrower during the loan term
10. Events of Default: Circumstances constituting default and consequences
11. Enforcement: Rights and remedies of the Lender upon default
12. Governing Law and Jurisdiction: Specification of UAE law as governing law and jurisdiction for disputes
1. Islamic Finance Provisions: Additional provisions for Sharia compliance when required
2. Security Agent Provisions: Required when a security agent is appointed to hold security on behalf of multiple lenders
3. Guarantees: When third-party guarantees are part of the security package
4. Assignment and Transfer: Provisions for transferability of the loan note, if permitted
5. Tax Provisions: Specific tax-related provisions if applicable to the transaction
6. Additional Obligors: Mechanism for adding additional borrowers or security providers
7. Currency Provisions: Required for multi-currency facilities or non-AED denominated loans
1. Repayment Schedule: Detailed schedule of repayment dates and amounts
2. Security Assets Schedule: Detailed description and documentation of secured assets
3. Form of Drawdown Notice: Template for requesting disbursement of the loan
4. Form of Security Registration: Templates for UAE security registration requirements
5. Conditions Precedent: List of required documents and conditions for loan effectiveness
6. Form of Transfer Certificate: Template for transferring interests in the loan note
7. Financial Covenants: Detailed financial ratios and calculations if applicable
Relevant legal definitions
Acceleration Event
Additional Obligor
Applicable Law
Applicable Rate
Asset Register
Availability Period
Banking Day
Base Rate
Borrower
Business Day
Charged Assets
Conditions Precedent
Default
Default Rate
Drawdown Date
Drawdown Notice
Encumbrance
Event of Default
Facility
Finance Documents
Financial Indebtedness
Financial Statements
Governing Law
Guarantee
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Obligor
Outstanding Amount
Permitted Security
Potential Default
Prepayment Amount
Principal Amount
Profit Rate
Relevant Jurisdiction
Repayment Date
Repayment Schedule
Security
Security Agent
Security Assets
Security Documents
Security Interest
Security Period
Security Provider
Security Registration
Secured Obligations
Taxes
Transaction Documents
Transfer Certificate
UAE
UAE Dirham
Additional Obligor
Applicable Law
Applicable Rate
Asset Register
Availability Period
Banking Day
Base Rate
Borrower
Business Day
Charged Assets
Conditions Precedent
Default
Default Rate
Drawdown Date
Drawdown Notice
Encumbrance
Event of Default
Facility
Finance Documents
Financial Indebtedness
Financial Statements
Governing Law
Guarantee
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Obligor
Outstanding Amount
Permitted Security
Potential Default
Prepayment Amount
Principal Amount
Profit Rate
Relevant Jurisdiction
Repayment Date
Repayment Schedule
Security
Security Agent
Security Assets
Security Documents
Security Interest
Security Period
Security Provider
Security Registration
Secured Obligations
Taxes
Transaction Documents
Transfer Certificate
UAE
UAE Dirham
Clauses
Facility Terms
Interest and Fees
Repayment
Security Creation
Security Registration
Representations and Warranties
Positive Covenants
Negative Covenants
Financial Covenants
Information Covenants
Events of Default
Acceleration
Enforcement
Security Enforcement
Assignment and Transfer
Payment Mechanics
Set-off
Notices
Calculations
Evidence and Calculations
Amendments and Waivers
Severability
Counterparts
Entire Agreement
Further Assurance
Governing Law
Dispute Resolution
Process Agent
Confidentiality
Islamic Finance Compliance
Security Agent Provisions
Tax Provisions
Currency Provisions
Guarantees
Indemnities
Costs and Expenses
Interest and Fees
Repayment
Security Creation
Security Registration
Representations and Warranties
Positive Covenants
Negative Covenants
Financial Covenants
Information Covenants
Events of Default
Acceleration
Enforcement
Security Enforcement
Assignment and Transfer
Payment Mechanics
Set-off
Notices
Calculations
Evidence and Calculations
Amendments and Waivers
Severability
Counterparts
Entire Agreement
Further Assurance
Governing Law
Dispute Resolution
Process Agent
Confidentiality
Islamic Finance Compliance
Security Agent Provisions
Tax Provisions
Currency Provisions
Guarantees
Indemnities
Costs and Expenses
Relevant Industries
Banking & Finance
Real Estate
Manufacturing
Trading & Commerce
Technology
Healthcare
Construction
Energy & Resources
Transportation & Logistics
Hospitality
Retail
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Credit
Corporate Secretariat
Management
Operations
Relevant Roles
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Treasury Manager
Financial Controller
Risk Manager
Compliance Officer
Banking Relationship Manager
Credit Officer
Transaction Manager
Security Trustee Officer
Corporate Secretary
Finance Manager
Managing Director
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