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1. Parties: Identification of the lender(s), borrower(s), and any guarantors or security providers
2. Background: Context of the facility, purpose of the loan, and any relevant historical information
3. Definitions and Interpretation: Comprehensive definitions of terms used throughout the agreement and interpretation rules
4. The Facility: Details of the facility amount, purpose, and availability period
5. Conditions Precedent: Prerequisites that must be satisfied before drawdown
6. Drawdown: Procedures and requirements for utilizing the facility
7. Interest: Interest calculation, payment periods, and default interest provisions
8. Repayment: Terms of repayment including scheduled payments and prepayment provisions
9. Fees and Expenses: All applicable fees, costs, and expenses
10. Representations and Warranties: Statements of fact and assurances given by the borrower
11. Covenants: Positive and negative undertakings of the borrower
12. Events of Default: Circumstances constituting default and consequences
13. Security: Overview of security arrangements and enforcement rights
14. Changes to Parties: Provisions regarding assignment and transfer rights
15. Administration: Operational aspects including calculations, notices, and payments
16. Governing Law and Jurisdiction: Choice of UAE law and jurisdiction provisions
1. Islamic Finance Provisions: Required when the facility needs to be Sharia-compliant, including specific structural requirements
2. Syndication Provisions: Required for facilities involving multiple lenders, including voting rights and administration
3. Intercreditor Provisions: Required when there are multiple creditors with different priorities
4. Agency Provisions: Required when a facility agent is appointed to manage the facility
5. Green Loan Provisions: Required for environmentally sustainable projects with specific reporting requirements
6. Multi-currency Provisions: Required when drawings can be made in different currencies
7. Tax Gross-up and Indemnities: Detailed tax provisions required for cross-border facilities
8. Additional Security Rights: Required when specific local security instruments are used
1. Conditions Precedent: Detailed list of required documents and conditions
2. Form of Drawdown Request: Template for borrower to request utilization of the facility
3. Repayment Schedule: Detailed schedule of repayment dates and amounts
4. Form of Compliance Certificate: Template for periodic compliance reporting
5. Security Documents: List and copies of all security documents
6. Permitted Security: List of security interests permitted to exist
7. Form of Transfer Certificate: Template for transferring facility participations
8. Financial Covenants: Detailed financial ratios and calculations
9. Authorized Signatories: List of persons authorized to sign notices and requests
10. Form of Accession Deed: Template for additional parties joining the agreement
Banking and Financial Services
Real Estate and Construction
Manufacturing and Industrial
Energy and Resources
Healthcare
Technology and Telecommunications
Retail and Consumer
Infrastructure and Transport
Hospitality and Tourism
Education
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Islamic Banking
Credit
Operations
Company Secretariat
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Compliance Officer
Risk Manager
Credit Manager
Relationship Manager
Corporate Banking Manager
Islamic Banking Specialist
Transaction Manager
Security Trustee
Facility Agent
Company Secretary
Financial Controller
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