The Internal Loan Agreement is essential for UAE-based organizations requiring formal documentation of financial arrangements between related entities. This document type is commonly used when one entity within a corporate group provides financing to another, whether for operational needs, expansion, or project funding. The agreement must comply with UAE Federal Laws, including the Civil Code (Federal Law No. 5 of 1985) and Commercial Code (Federal Law No. 18 of 1993), while potentially incorporating Sharia-compliant structures. The Internal Loan Agreement includes crucial elements such as loan amount, repayment terms, profit rate mechanisms, and security arrangements, all structured to meet UAE regulatory requirements and corporate governance standards. It serves as both a legal document and a financial control tool, essential for maintaining transparent and compliant intercompany financial relationships.
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1. Parties: Identification of the lender and borrower, including full legal names, addresses, and registration details
2. Background: Context of the loan, relationship between parties, and purpose of the facility
3. Definitions: Definitions of key terms used throughout the agreement
4. Facility: Details of the loan amount, purpose, and drawdown conditions
5. Interest and Fees: Profit rate or financial charges (structured in a Sharia-compliant manner if required), calculation methods, and payment schedules
6. Repayment Terms: Repayment schedule, payment methods, and prepayment provisions
7. Representations and Warranties: Standard declarations by the borrower about their legal status and capacity
8. Covenants: Borrower's ongoing obligations throughout the loan term
9. Events of Default: Circumstances constituting default and consequences
10. Notices: Communication procedures between parties
11. Governing Law and Jurisdiction: Confirmation of UAE law application and jurisdiction
1. Security: Details of any collateral or guarantees - include when loan is secured
2. Islamic Finance Provisions: Specific Sharia-compliant structures and requirements - include when agreement needs to be fully Sharia-compliant
3. Tax Provisions: Tax treatment and obligations - include when tax implications are significant
4. Assignment and Transfer: Rights to transfer or assign the loan - include for transferable facilities
5. Information Undertakings: Specific reporting requirements - include for loans with monitoring requirements
6. Change of Control: Provisions dealing with ownership changes - include for corporate borrowers
7. Force Majeure: Provisions for unforeseen circumstances - include when specifically requested
1. Repayment Schedule: Detailed breakdown of repayment dates and amounts
2. Form of Drawdown Notice: Template for requesting loan disbursements
3. Conditions Precedent: List of documents and conditions required before drawdown
4. Security Details: Detailed description of any security or collateral (if applicable)
5. Calculation of Profit Rate: Detailed methodology for calculating profit/interest rates
6. Form of Compliance Certificate: Template for periodic compliance reporting
Relevant legal definitions
Clauses
Relevant Industries
Financial Services
Real Estate
Construction
Manufacturing
Retail
Healthcare
Technology
Energy
Transportation
Hospitality
Mining
Telecommunications
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Governance
Tax
Audit
Company Secretariat
Corporate Finance
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Financial Controller
Legal Counsel
Corporate Lawyer
Compliance Officer
Company Secretary
Group Finance Manager
Tax Director
Risk Manager
Corporate Finance Manager
Board Director
Managing Director
Chief Executive Officer
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