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Investment Loan Agreement Template
"I need an Investment Loan Agreement Template under UAE law for a AED 50 million Sharia-compliant facility to finance a real estate development project in Dubai, with drawdown scheduled for March 2025 and including provisions for construction phase monitoring."
1. Parties: Identification of the lender, borrower, and any guarantors with their full legal names and addresses
2. Background: Context of the investment loan, purpose, and any relevant preliminary discussions or arrangements
3. Definitions and Interpretation: Detailed definitions of terms used throughout the agreement and rules of interpretation
4. The Facility: Details of the loan amount, purpose, and any tranching arrangements
5. Conditions Precedent: Prerequisites that must be satisfied before the loan can be drawn
6. Drawdown: Procedures and requirements for drawing down the loan
7. Interest: Interest rate, calculation method, payment dates, and default interest provisions
8. Repayment: Terms and schedule for repayment of the loan
9. Prepayment: Conditions and procedures for early repayment
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
13. Security: Details of any security or collateral securing the loan
14. Costs and Expenses: Allocation of costs related to the loan and its administration
15. Notices: Communication procedures between parties
16. Assignment and Transfer: Rules regarding transfer of rights and obligations
17. Governing Law and Jurisdiction: Specification of UAE law as governing law and jurisdiction for disputes
1. Sharia Compliance: Required for Islamic financing structures, detailing compliance with Sharia principles
2. Syndication Provisions: Required for loans that may be syndicated to multiple lenders
3. Investment Conditions: Specific conditions relating to the investment purpose of the loan
4. Currency Provisions: Required for multi-currency facilities or where currency conversion is relevant
5. Tax Provisions: Detailed tax arrangements where cross-border elements exist
6. Political Risk Insurance: Required for large international investments or specific high-risk sectors
7. Environmental Compliance: Required for investments in sectors with environmental impact
8. Step-In Rights: Required for project finance or specific investment scenarios
1. Schedule 1 - Conditions Precedent: Detailed list of all required conditions precedent documents
2. Schedule 2 - Form of Drawdown Notice: Template for borrower to request loan disbursement
3. Schedule 3 - Repayment Schedule: Detailed amortization schedule if applicable
4. Schedule 4 - Form of Compliance Certificate: Template for periodic compliance certification
5. Schedule 5 - Security Documents: List and copies of all security documents
6. Schedule 6 - Permitted Investments: Detailed list of approved investment categories if applicable
7. Schedule 7 - Financial Covenants: Detailed financial ratios and calculations
8. Appendix A - Form of Legal Opinions: Template legal opinions required from counsel
9. Appendix B - Know Your Customer Requirements: List of required KYC documentation under UAE law
Authors
Account Bank
Additional Lender
Affiliate
Applicable Law
Applicable Margin
Availability Period
Available Commitment
Available Facility
Banking Day
Base Rate
Borrower
Break Costs
Business Day
Central Bank
Change of Control
Commitment
Compliance Certificate
Conditions Precedent
Confidential Information
Default
Default Interest
Defaulting Lender
Definitions
Disruption Event
Drawdown Date
Drawdown Notice
EBITDA
Encumbrance
Event of Default
Facility
Facility Agent
Facility Agreement
Facility Office
Fee Letter
Final Maturity Date
Finance Documents
Finance Parties
Financial Indebtedness
Financial Statements
Financing Purpose
Governing Law
Group
Guarantor
Holding Company
Increased Costs
Interest Payment Date
Interest Period
Investment
Investment Period
Islamic Facility
Legal Reservation
Lender
LIBOR
Loan
Majority Lenders
Material Adverse Effect
Obligor
Original Financial Statements
Original Jurisdiction
Original Lender
Outstanding Amount
Party
Permitted Investment
Potential Event of Default
Prepayment Amount
Principal Outstanding
Qualifying Lender
Quotation Day
Reference Banks
Relevant Market
Repayment Date
Repayment Schedule
Repeating Representations
Representative
Security
Security Agent
Security Documents
Security Interest
Sharia Board
Sharia Principles
Subsidiary
Tax
Total Commitments
Transaction Documents
Transfer Certificate
UAE
Unpaid Sum
Utilisation
Utilisation Date
Utilisation Request
VAT
Conditions Precedent
Drawdown Mechanics
Interest Provisions
Repayment Terms
Prepayment
Security
Representations and Warranties
Covenants
Information Undertakings
Financial Covenants
Investment Conditions
Events of Default
Market Disruption
Changes to Parties
Payment Mechanics
Set-off
Notices
Calculations and Certificates
Partial Invalidity
Remedies and Waivers
Amendments and Waivers
Confidentiality
Counterparts
Governing Law
Enforcement
Jurisdiction
Service of Process
Sharia Compliance
Anti-Money Laundering
Sanctions Compliance
Assignment and Transfer
Costs and Expenses
Indemnities
Tax Provisions
Currency Provisions
Force Majeure
Investment Monitoring
Account Operation
Insurance
Security Agent Provisions
Syndication
Entire Agreement
Banking and Financial Services
Real Estate and Construction
Infrastructure Development
Technology and Innovation
Healthcare
Education
Manufacturing
Retail and Consumer
Energy and Utilities
Telecommunications
Hospitality and Tourism
Transport and Logistics
Legal
Finance
Credit Risk
Compliance
Treasury
Corporate Banking
Investment Banking
Project Finance
Islamic Banking
Operations
Chief Financial Officer
Finance Director
Legal Counsel
Investment Manager
Corporate Banker
Relationship Manager
Credit Risk Manager
Compliance Officer
Treasury Manager
Investment Analyst
Corporate Finance Manager
Managing Director
Senior Banker
Project Finance Manager
Transaction Manager
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