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1. Parties: Identification of the Lender(s) and Borrower(s) with full legal names and addresses
2. Background: Context of the loan arrangement and brief description of the business purpose
3. Definitions and Interpretation: Defined terms, including specific profit-sharing terminology and calculation methods
4. The Facility: Details of the loan amount, purpose, and drawdown mechanics
5. Profit Sharing Mechanism: Detailed explanation of how profits will be calculated and shared between parties
6. Conditions Precedent: Conditions that must be satisfied before the loan becomes effective
7. Representations and Warranties: Standard and specific declarations by the Borrower about their business and capacity
8. Covenants: Positive and negative obligations of the Borrower during the loan term
9. Information Undertakings: Borrower's obligations to provide financial and operational information
10. Payment Provisions: Terms for repayment of principal and profit distributions
11. Events of Default: Circumstances that would trigger default and remedies available
12. Security: Details of any security or guarantees provided
13. Boilerplate Provisions: Standard legal provisions including notices, amendments, governing law, etc.
1. Sharia Compliance: Specific provisions ensuring compliance with Islamic finance principles - include if the agreement needs to be explicitly Sharia-compliant
2. Syndication Provisions: Include if multiple lenders are involved or if syndication is contemplated
3. Currency Provisions: Include if the loan or profit payments involve multiple currencies
4. Tax Provisions: Detailed tax arrangements - include if cross-border elements or complex tax structures are involved
5. Agent Provisions: Include if a facility agent or security agent is appointed
6. Assignment and Transfer: Include if the parties want to allow for transfer of rights or obligations
7. Regulatory Compliance: Include specific provisions if the borrower operates in a regulated industry
1. Conditions Precedent: Detailed list of required documents and conditions
2. Form of Drawdown Request: Template for requesting loan disbursements
3. Calculation of Profit Share: Detailed methodology and examples of profit-sharing calculations
4. Form of Compliance Certificate: Template for periodic compliance reporting
5. Security Documents: Forms of security agreements and guarantees
6. Financial Covenants: Detailed financial ratios and calculations
7. Permitted Investments: List of approved investment activities for borrowed funds
8. Form of Transfer Certificate: Template for transferring rights/obligations if permitted
Banking and Financial Services
Real Estate Development
Manufacturing
Technology and Innovation
Healthcare
Hospitality and Tourism
Infrastructure Development
Energy and Resources
Trading and Commerce
Construction
Retail
Agriculture
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Islamic Banking
Credit
Commercial
Corporate Strategy
Business Development
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Investment Manager
Compliance Officer
Risk Manager
Treasury Manager
Islamic Finance Specialist
Commercial Director
Business Development Manager
Corporate Banking Manager
Credit Risk Officer
Financial Controller
Company Secretary
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