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1. Parties: Identification of lender(s) and borrower(s) with full legal names and addresses as per UAE requirements
2. Background: Recitals explaining the context of the loan and confirmation of borrower's authority to enter into the agreement
3. Definitions: Comprehensive definitions of terms used throughout the agreement, including Arabic terms where relevant
4. Facility Details: Principal amount, purpose, currency, and type of facility
5. Interest and Fees: Interest rate calculation, payment periods, default interest, and applicable fees
6. Drawdown: Conditions precedent, drawdown mechanics, and notice requirements
7. Repayment Terms: Repayment schedule, prepayment provisions, and payment mechanics
8. Representations and Warranties: Standard and UAE-specific representations including corporate existence, capacity, and Sharia compliance if relevant
9. Borrower Covenants: Positive and negative covenants, financial covenants, and information obligations
10. Events of Default: Default triggers and consequences, including UAE-specific events
11. Security: Overview of security package and cross-reference to security documents
12. Governing Law and Jurisdiction: Choice of UAE law and jurisdiction provisions
13. Notices: Communication methods and contact details for formal notices
14. Execution: Signature blocks complying with UAE execution requirements
1. Islamic Finance Provisions: Required for Sharia-compliant facilities, replacing conventional interest provisions with profit rate and other Islamic structures
2. Syndication Provisions: Required for syndicated facilities, including facility agent role, voting rights, and sharing provisions
3. Currency Provisions: Required for multi-currency facilities, including conversion mechanisms and exchange rate provisions
4. Guarantee: Required when there are guarantors, including guarantee terms and guarantor covenants
5. Tax Provisions: Detailed tax provisions required for cross-border lending or when VAT considerations apply
6. Assignment and Transfer: Detailed provisions for transferability of the loan, required in syndicated or tradeable facilities
7. Force Majeure: Specific force majeure provisions beyond standard defaults, particularly relevant post-COVID
1. Schedule 1 - Conditions Precedent: List of required documents and conditions to be satisfied before drawdown
2. Schedule 2 - Form of Drawdown Notice: Template for borrower to request loan disbursement
3. Schedule 3 - Repayment Schedule: Detailed amortization schedule if term loan
4. Schedule 4 - Security Details: Comprehensive list and details of all security arrangements
5. Schedule 5 - Financial Covenants: Detailed financial covenant calculations and reporting requirements
6. Schedule 6 - Form of Compliance Certificate: Template for periodic compliance reporting
7. Schedule 7 - Permitted Security: List of security interests permitted to exist
8. Appendix A - Form of Transfer Certificate: Template for loan participation transfers if applicable
9. Appendix B - Processing Fees Schedule: Detailed breakdown of all applicable fees and charges
Banking and Financial Services
Real Estate and Construction
Manufacturing
Trading and Commerce
Healthcare
Education
Hospitality and Tourism
Technology and Telecommunications
Energy and Utilities
Transportation and Logistics
Professional Services
Retail
Legal
Finance
Treasury
Credit Risk
Compliance
Corporate Banking
Islamic Banking
Operations
Risk Management
Commercial
Business Development
Company Secretariat
Chief Financial Officer
Finance Director
Legal Counsel
Compliance Officer
Credit Risk Manager
Relationship Manager
Treasury Manager
Corporate Banking Officer
Islamic Banking Specialist
loan Officer
Financial Controller
Commercial Director
Business Development Manager
Company Secretary
Risk Management Officer
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