The Undertaking Loan Agreement is a fundamental financing document used in the United Arab Emirates when a lender provides financial facilities to a borrower with specific commitments and obligations. This document type is particularly important in the UAE market where both conventional and Islamic financing principles may need to be considered. The agreement typically includes detailed sections on loan terms, borrower undertakings, representations, and enforcement mechanisms, all structured to comply with UAE legislation including the Civil Code, Commercial Code, and Central Bank regulations. It's commonly used in corporate financing, project finance, and commercial lending scenarios where specific borrower commitments are crucial for the lender's security.
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1. Parties: Identification of the lender and borrower with full legal names and addresses
2. Background: Context of the loan arrangement and relationship between parties
3. Definitions and Interpretation: Key terms used throughout the agreement and rules for interpretation
4. The Loan: Core terms including amount, purpose, and disbursement conditions
5. Interest and Fees: Interest calculation method, payment dates, and applicable fees
6. Repayment Terms: Repayment schedule, prepayment provisions, and payment mechanics
7. Representations and Warranties: Statements of fact and assurances given by the borrower
8. Undertakings: Positive and negative obligations of the borrower during the loan term
9. Events of Default: Circumstances constituting default and consequences
10. Remedies: Lender's rights and remedies upon default
11. Notices: Communication methods and contact details for formal notices
12. Governing Law and Jurisdiction: UAE law as governing law and jurisdiction for disputes
13. Execution: Signature blocks and execution formalities
1. Security: Required if the loan is secured by any assets or guarantees
2. Islamic Finance Provisions: Required if the loan needs to be Sharia-compliant
3. Conditions Subsequent: Include if there are post-disbursement conditions to be met
4. Assignment and Transfer: Include if the lender may want to transfer the loan
5. Multiple Lenders: Required for syndicated facilities with multiple lenders
6. Tax Provisions: Include detailed tax provisions if cross-border elements exist
7. Currency Provisions: Required if loan or repayment involves multiple currencies
1. Loan Disbursement Schedule: Details of loan drawdown dates and amounts
2. Repayment Schedule: Detailed amortization table with payment dates and amounts
3. Form of Drawdown Notice: Template for borrower to request loan disbursement
4. Security Details: Details of any collateral or security arrangements
5. Conditions Precedent Documents: List of required documents prior to disbursement
6. Form of Compliance Certificate: Template for periodic compliance reporting
7. Fee Schedule: Detailed breakdown of all applicable fees
8. Form of Transfer Certificate: Template for loan transfer documentation if applicable
Relevant legal definitions
Advance
Agreement
Availability Period
Banking Day
Borrower
Business Day
Calculation Period
Default
Default Rate
Disbursement Date
Drawdown Notice
Event of Default
Facility
Finance Documents
Financial Indebtedness
Financial Statements
Governing Law
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Material Adverse Effect
Maturity Date
Outstanding Amount
Payment Date
Prepayment Amount
Principal Amount
Repayment Date
Repayment Schedule
Security
Security Documents
Taxes
Transaction Documents
UAE
UAE Dirham
Undertaking
Unpaid Sum
Agreement
Availability Period
Banking Day
Borrower
Business Day
Calculation Period
Default
Default Rate
Disbursement Date
Drawdown Notice
Event of Default
Facility
Finance Documents
Financial Indebtedness
Financial Statements
Governing Law
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Material Adverse Effect
Maturity Date
Outstanding Amount
Payment Date
Prepayment Amount
Principal Amount
Repayment Date
Repayment Schedule
Security
Security Documents
Taxes
Transaction Documents
UAE
UAE Dirham
Undertaking
Unpaid Sum
Clauses
Interpretation
Facility Terms
Purpose
Conditions Precedent
Drawdown
Interest
Repayment
Prepayment
Representations
Warranties
Positive Undertakings
Negative Undertakings
Financial Covenants
Information Undertakings
Events of Default
Acceleration
Set-off
Security
Costs and Expenses
Indemnities
Confidentiality
Assignment
Amendments
Severability
Notices
Counterparts
Governing Law
Dispute Resolution
Waiver
Force Majeure
Facility Terms
Purpose
Conditions Precedent
Drawdown
Interest
Repayment
Prepayment
Representations
Warranties
Positive Undertakings
Negative Undertakings
Financial Covenants
Information Undertakings
Events of Default
Acceleration
Set-off
Security
Costs and Expenses
Indemnities
Confidentiality
Assignment
Amendments
Severability
Notices
Counterparts
Governing Law
Dispute Resolution
Waiver
Force Majeure
Relevant Industries
Banking and Financial Services
Real Estate and Construction
Manufacturing and Industrial
Trading and Commercial
Healthcare
Technology and Telecommunications
Energy and Utilities
Hospitality and Tourism
Transportation and Logistics
Retail
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit
Operations
Corporate Secretariat
Business Development
Relevant Roles
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Banking Manager
Credit Risk Manager
Compliance Officer
Treasury Manager
Financial Controller
Corporate Secretary
Business Development Manager
Relationship Manager
Credit Analyst
Transaction Manager
Finance Manager
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