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Master Lending Agreement for United Arab Emirates

Master Lending Agreement Template for United Arab Emirates

A comprehensive framework agreement governed by UAE law that establishes the terms and conditions for various lending facilities between financial institutions and borrowers. The agreement incorporates UAE Civil and Commercial Law requirements, UAE Central Bank regulations, and where applicable, Islamic finance principles. It covers all essential aspects of the lending relationship including facility terms, security arrangements, representations and warranties, covenants, and events of default, while providing flexibility to accommodate multiple types of facilities through supplementary documentation.

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Master Lending Agreement

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What is a Master Lending Agreement?

The Master Lending Agreement serves as the primary documentation framework for establishing lending relationships in the UAE market. It is designed to comply with UAE federal laws, including the UAE Civil Code, Commercial Transactions Law, and Central Bank regulations, while incorporating international banking practices. This agreement is typically used when parties anticipate multiple lending facilities over time, providing a standardized set of terms that can be efficiently supplemented with facility-specific documentation. The Master Lending Agreement includes comprehensive provisions for both conventional and Islamic facilities, security arrangements, covenant packages, and administrative provisions, reducing the need for repeated negotiation of standard terms while maintaining flexibility for specific facility requirements.

What sections should be included in a Master Lending Agreement?

1. Parties: Identification of the lender(s) and borrower(s), including their legal status and registration details

2. Background: Context of the agreement and relationship between the parties

3. Definitions and Interpretation: Comprehensive definitions of terms used throughout the agreement and rules of interpretation

4. Facilities: Overview of the types of facilities available and their general terms

5. Conditions Precedent: Documents and conditions required before utilization of any facility

6. Utilization: Process and requirements for requesting and accessing facilities

7. Interest and Fees: Calculation and payment of interest, margins, and fees

8. Repayment and Prepayment: Terms for scheduled repayments and voluntary/mandatory prepayments

9. Representations and Warranties: Standard representations and warranties given by the borrower

10. Information Undertakings: Ongoing financial and operational information requirements

11. General Undertakings: Positive and negative covenants applicable to all facilities

12. Events of Default: Circumstances constituting default and consequences

13. Changes to Parties: Rules for assignments, transfers, and additions of new parties

14. Administration: Operational aspects including payments, calculations, and notices

15. Governing Law and Jurisdiction: Choice of UAE law and jurisdiction provisions

What sections are optional to include in a Master Lending Agreement?

1. Security: Required when facilities are to be secured, detailing types of security and enforcement rights

2. Guarantees: Include when third-party guarantees are part of the credit support structure

3. Islamic Facilities: Required when Sharia-compliant facilities are offered alongside conventional facilities

4. Syndication Provisions: Include for agreements intended to be syndicated or with multiple lenders

5. Increased Costs and Tax Gross-Up: Detailed provisions for managing regulatory changes and tax implications, particularly relevant for international lenders

6. Multi-currency Provisions: Required when facilities can be drawn in multiple currencies

7. Agency Provisions: Include when a facility agent will be appointed to manage syndicated facilities

What schedules should be included in a Master Lending Agreement?

1. Facility Terms: Specific terms, pricing, and conditions for each type of facility

2. Form of Utilization Request: Standard form for requesting drawdowns under the facilities

3. Conditions Precedent Documents: Detailed list of required documents and conditions

4. Form of Transfer Certificate: Standard documentation for transfers between lenders

5. Form of Compliance Certificate: Template for periodic compliance reporting

6. Security Documents: Forms of security documentation and perfection requirements

7. Existing Security and Financial Indebtedness: Details of permitted existing arrangements

8. Form of Accession Deed: Documentation for additional borrowers or guarantors

9. Financial Covenants: Detailed financial ratios and calculations

10. Contact Details: Administrative and notice details for all parties

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok成人版 | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Document Type

Loan Agreement

Sector

Banking

Cost

Free to use
Relevant legal definitions























































Clauses




































Relevant Industries

Banking and Financial Services

Real Estate and Construction

Energy and Natural Resources

Healthcare

Retail and Consumer Goods

Technology and Telecommunications

Manufacturing and Industrial

Hospitality and Tourism

Transportation and Logistics

Trading and Distribution

Relevant Teams

Legal

Finance

Treasury

Compliance

Credit Risk

Corporate Banking

Loan Operations

Documentation

Islamic Banking

Syndications

Risk Management

Transaction Management

Relevant Roles

Chief Financial Officer

Treasury Manager

Finance Director

Legal Counsel

Compliance Officer

Credit Risk Manager

Relationship Manager

Transaction Manager

Corporate Banking Head

Syndications Director

Security Trustee

Documentation Manager

Islamic Finance Specialist

Loan Operations Manager

Industries








Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks, 聽Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination, 聽Severance Pay, Governing Law, Entire Agreemen

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