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1. Parties: Identification of the lender(s) and borrower(s), including their full legal names, registration details, and addresses
2. Background: Context of the interim loan, purpose, and relationship to any permanent financing arrangement
3. Definitions and Interpretation: Key terms used in the agreement, including financial definitions, calculation methods, and interpretation rules
4. The Facility: Details of the interim loan facility, including amount, purpose, and availability period
5. Conditions Precedent: Conditions that must be satisfied before the facility becomes available
6. Drawdown: Procedures and requirements for drawing down the loan
7. Interest: Interest rate, calculation methods, payment dates, and default interest provisions
8. Repayment: Terms of repayment, including scheduled payments and final maturity
9. Prepayment: Provisions for early repayment, including any penalties or notices required
10. Representations and Warranties: Standard and transaction-specific representations by the borrower
11. Covenants: Positive and negative undertakings of the borrower
12. Events of Default: Circumstances constituting default and consequences
13. Security: Details of any security arrangements securing the facility
14. Changes to Parties: Assignment and transfer provisions
15. Administration: Administrative provisions including notices and calculations
16. Governing Law and Jurisdiction: UAE law as governing law and jurisdiction provisions
1. Islamic Finance Provisions: Required if the facility needs to be Sharia-compliant
2. Permanent Financing Arrangements: Required if the interim loan is bridge financing to a specific permanent facility
3. Security Trustee Provisions: Required if multiple lenders are involved and security is held by a trustee
4. Intercreditor Provisions: Required if there are multiple creditors with different priorities
5. Currency Provisions: Required if the facility involves multiple currencies
6. Tax Provisions: Detailed tax provisions required if cross-border elements exist
7. Cost Protection: Additional provisions protecting lender against regulatory changes
8. Agency Provisions: Required if facility involves multiple lenders with an agent
1. Schedule 1 - Conditions Precedent: Detailed list of required documents and conditions
2. Schedule 2 - Form of Drawdown Request: Template for borrower to request loan disbursement
3. Schedule 3 - Repayment Schedule: Detailed payment schedule if applicable
4. Schedule 4 - Form of Compliance Certificate: Template for periodic compliance certification
5. Schedule 5 - Security Documents: List and copies of security documentation
6. Schedule 6 - Permitted Security: List of security interests permitted under the agreement
7. Schedule 7 - Form of Transfer Certificate: Template for transferring loan participations
8. Appendix A - Calculation of Interest: Detailed methodology for interest calculations
9. Appendix B - Forms of Notices: Standard form notices for various communications
Banking & Financial Services
Real Estate & Construction
Manufacturing & Industrial
Energy & Resources
Healthcare
Technology & Telecommunications
Retail & Consumer
Infrastructure & Transport
Hospitality & Tourism
Trading & Commerce
Legal
Finance
Treasury
Risk Management
Compliance
Corporate Banking
Credit
Operations
Corporate Finance
Project Finance
Chief Financial Officer
Finance Director
Treasury Manager
Corporate Banker
Relationship Manager
Credit Risk Manager
Legal Counsel
Compliance Officer
Financial Controller
Corporate Finance Manager
Investment Manager
Project Finance Manager
Transaction Manager
Senior Loan Officer
Chief Executive Officer
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