The Simple Business Loan Agreement is a fundamental financing document used in the United Arab Emirates when a business entity seeks to obtain funding from a financial institution or licensed lender. This agreement is structured to comply with UAE Federal Law No. 5 of 1985 (Civil Code), Federal Law No. 18 of 1993 (Commercial Code), and UAE Central Bank regulations. It encompasses essential provisions including loan amount, repayment terms, securities, and default mechanisms, while potentially accommodating both conventional and Islamic finance structures. The document is particularly relevant for businesses seeking working capital, expansion funding, or asset financing, and can be adapted for various loan sizes and business purposes while maintaining compliance with UAE legal requirements.
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1. Parties: Identification of the Lender and Borrower with full legal names and addresses
2. Background: Context of the loan agreement and relationship between parties
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount and its intended business purpose
5. Interest Rate and Calculation: Details of applicable interest rate, calculation method, and compliance with UAE banking regulations
6. Repayment Terms: Schedule of repayments, payment methods, and prepayment provisions
7. Conditions Precedent: Conditions that must be satisfied before the loan is disbursed
8. Representations and Warranties: Statements of fact by the Borrower about their business and ability to repay
9. Covenants: Ongoing obligations of the Borrower during the loan term
10. Events of Default: Circumstances that constitute default and consequences
11. Remedies: Lender's rights and remedies in case of default
12. Governing Law and Jurisdiction: Specification of UAE law as governing law and jurisdiction for disputes
1. Security: Details of any collateral or security provided - used when loan is secured
2. Guarantees: Terms of any personal or corporate guarantees - used when third-party guarantees are provided
3. Islamic Finance Provisions: Specific provisions for Sharia compliance - used when structured as Islamic finance
4. Insurance: Requirements for insurance of any secured assets - used with secured loans
5. Assignment and Transfer: Rights to assign or transfer the loan - used in more sophisticated arrangements
6. Force Majeure: Provisions for unforeseen circumstances - used in longer-term loans
7. Anti-Money Laundering: AML compliance provisions - used with higher-risk borrowers or large loans
1. Repayment Schedule: Detailed schedule of repayment dates and amounts
2. Security Details: Detailed description of any security or collateral
3. Conditions Precedent Documents: List of required documents and conditions to be met before disbursement
4. Form of Drawdown Notice: Template for requesting loan disbursement
5. Fees and Charges: Breakdown of all applicable fees and charges
6. Required Insurance: Details of required insurance coverage for secured assets
Authors
Relevant legal definitions
Clauses
Relevant Industries
Banking and Financial Services
Small and Medium Enterprises
Real Estate
Manufacturing
Retail
Technology
Healthcare
Construction
Hospitality
Trading and Distribution
Professional Services
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit Administration
Business Development
Operations
Corporate Secretariat
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Compliance Officer
Credit Risk Manager
Relationship Manager
Business Development Manager
Financial Controller
Company Secretary
Managing Director
Finance Manager
Account Manager
Risk Officer
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