This Commercial Loan Agreement Template is designed for use in the United Arab Emirates' commercial lending market, providing a standardized framework for documenting loan facilities between financial institutions and commercial borrowers. The template incorporates requirements from UAE Federal Law No. 18 of 1993 (Commercial Transactions Law), Central Bank regulations, and other relevant UAE legislation. It is structured to accommodate both conventional and Islamic financing structures, including necessary provisions for security documentation, regulatory compliance, and enforcement mechanisms under UAE law. The template is particularly suitable for medium to large-scale commercial lending transactions and can be customized based on specific facility types, security arrangements, and commercial terms while maintaining compliance with UAE legal requirements.
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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 facility and brief description of the purpose
3. Definitions and Interpretation: Comprehensive definitions of terms used in the agreement and rules of interpretation
4. The Facility: Details of the loan amount, purpose, and any tranches or sub-facilities
5. Conditions Precedent: Prerequisites that must be satisfied before drawdown
6. Drawdown: Procedures and requirements for requesting and making loan disbursements
7. Interest: Interest rate, calculation methods, and payment dates
8. Repayment: Terms and schedule for repayment of the principal amount
9. Prepayment: Provisions for early repayment, including any penalties or notices required
10. Representations and Warranties: Statements of fact and assurances given by the Borrower
11. Covenants: Positive and negative obligations of the Borrower during the loan term
12. Events of Default: Circumstances constituting default and consequences thereof
13. Security: Details of any security or guarantees securing the loan
14. Costs and Expenses: Allocation of costs, fees, and expenses related to the loan
15. Changes to Parties: Provisions regarding assignment and transfer rights
16. Notices: Communication procedures between parties
17. Governing Law and Jurisdiction: Specification of UAE law as governing law and jurisdiction for disputes
18. Execution: Signature blocks and execution formalities
1. Islamic Finance Provisions: Additional provisions for Sharia-compliant structures, used when the facility needs to be Islamic-compliant
2. Syndication Provisions: Additional provisions for multiple lenders, used in syndicated loan arrangements
3. Security Trustee: Provisions regarding appointment and role of security trustee, used in complex security arrangements
4. Intercreditor Provisions: Provisions governing relationships between different classes of creditors, used when there are multiple creditors
5. Currency Provisions: Additional provisions for multi-currency facilities, used when loan can be drawn in multiple currencies
6. Green Loan Provisions: Specific provisions for environmentally sustainable projects, used for green financing
7. Step-In Rights: Provisions allowing lender to take control of certain assets/projects, used in project finance
8. Political Risk Insurance: Provisions relating to political risk coverage, used in cross-border transactions
1. Conditions Precedent: Detailed list of required documents and conditions
2. Form of Drawdown Request: Template for borrower to request loan disbursement
3. Repayment Schedule: Detailed amortization schedule if applicable
4. Form of Transfer Certificate: Template for transferring loan participations
5. Security Documents: List and copies of all security documents
6. Financial Covenants: Detailed financial ratios and calculations
7. Permitted Security: List of security interests permitted under the agreement
8. Form of Compliance Certificate: Template for periodic compliance certification
9. Existing Financial Indebtedness: Schedule of borrower's existing debt
10. Contact Details: Detailed contact information for all parties
Relevant legal definitions
Clauses
Relevant Industries
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
Retail
Professional Services
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Islamic Banking
Credit Analysis
Operations
Company Secretariat
Commercial
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Compliance Officer
Credit Risk Manager
Relationship Manager
Corporate Banking Manager
Financial Controller
Commercial Director
Managing Director
Chief Executive Officer
Risk Manager
Islamic Banking Officer
Loan Officer
Corporate Secretary
Banking Operations Manager
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