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Investment Loan Contract

Investment Loan Contract Generator for United Arab Emirates

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Investment Loan Contract Template

I need an Investment Loan Contract Template for a UAE-based real estate development project with multiple drawdown phases, incorporating both conventional and Islamic finance options, with a facility amount of AED 500 million to be fully drawn by March 2025.

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Document background
The Investment Loan Contract Template is designed for use in the United Arab Emirates financial sector, providing a standardized framework for documenting investment financing arrangements. This template is specifically structured to comply with UAE Federal Laws, including Civil Code (Federal Law No. 5 of 1985) and Commercial Code (Federal Law No. 18 of 1993), while incorporating flexibility for both conventional and Islamic finance structures. It serves as a foundational document for financial institutions and corporate borrowers engaging in investment financing, covering essential elements such as facility terms, security arrangements, regulatory compliance, and risk management provisions. The template is adaptable to various investment purposes while maintaining adherence to UAE Central Bank regulations and local banking practices, making it suitable for both domestic and international investment transactions within the UAE jurisdiction.
Suggested Sections

1. Parties: Identification of the Lender and Borrower with full legal names and addresses

2. Background: Context of the investment loan, purpose, and basic transaction structure

3. Definitions and Interpretation: Key terms, construction rules, and interpretation principles

4. Facility Amount and Purpose: Specification of loan amount, currency, and permitted use of funds

5. Conditions Precedent: Prerequisites for loan disbursement including required documentation

6. Drawdown Mechanics: Procedures and requirements for accessing the loan funds

7. Interest and Profit Share: Interest calculation, payment terms, and profit-sharing structure if applicable

8. Repayment Terms: Schedule of repayments, prepayment provisions, and payment mechanics

9. Security and Collateral: Details of security arrangements and collateral requirements

10. Representations and Warranties: Standard declarations by the borrower about their legal and financial status

11. Covenants: Positive and negative obligations of the borrower during the loan term

12. Events of Default: Circumstances constituting default and consequences

13. Fees and Expenses: All applicable fees, charges, and cost allocation

14. Governing Law and Jurisdiction: UAE law as governing law and jurisdiction provisions

Optional Sections

1. Islamic Finance Provisions: Required for Sharia-compliant transactions, including specific structuring and terminology

2. Syndication Provisions: Required when multiple lenders are involved or syndication is contemplated

3. Investment Project Specifics: Detailed provisions about the specific investment project being funded

4. Security Agent Provisions: Required when a security agent is appointed to hold security on behalf of multiple lenders

5. Intercreditor Provisions: Required when there are multiple creditors with different priorities

6. Currency Conversion: Required for multi-currency facilities or when conversion rights are granted

7. Environmental Compliance: Required for projects with environmental impact considerations

8. Political Risk Insurance: Required for large international investments or sensitive sectors

Suggested Schedules

1. Schedule 1 - Facility Summary: Key commercial terms including amount, tenure, and pricing

2. Schedule 2 - Conditions Precedent Documents: Detailed list of required documentation and conditions

3. Schedule 3 - Drawdown Notice Form: Standard form for requesting loan disbursements

4. Schedule 4 - Repayment Schedule: Detailed amortization schedule if applicable

5. Schedule 5 - Security Documents: List and copies of all security documentation

6. Schedule 6 - Financial Covenants: Detailed financial ratios and reporting requirements

7. Appendix A - Project Business Plan: Detailed investment project description and projections

8. Appendix B - Property Documents: Required for real estate-backed investments

9. Appendix C - Corporate Authorizations: Corporate approvals and authorization documents

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant legal definitions
Account Bank
Affiliate
Agreement
Applicable Law
Authorization
Available Facility
Borrower
Business Day
Calculation Period
Collateral
Commitment
Conditions Precedent
Default
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
Effective Date
Event of Default
Facility
Facility Amount
Finance Documents
Financial Indebtedness
Financial Statements
Governing Law
Interest Period
Interest Rate
Investment Project
Lender
Material Adverse Effect
Maturity Date
Payment Date
Profit Rate
Project Assets
Repayment Date
Repayment Schedule
Security
Security Agent
Security Documents
Shariah Principles
Subsidiary
Tax
Transaction Documents
UAE Dirham
Utilization
Clauses
Parties
Interpretation
Definitions
Facility Terms
Conditions Precedent
Drawdown
Interest and Fees
Islamic Finance Compliance
Repayment
Prepayment
Security
Representations and Warranties
Covenants
Information Undertakings
Financial Covenants
Events of Default
Market Disruption
Changes to Parties
Payment Mechanics
Set-off
Notices
Calculations
Amendments and Waivers
Confidentiality
Assignment and Transfer
Anti-Money Laundering
Sanctions Compliance
Force Majeure
Governing Law
Dispute Resolution
Severability
Counterparts
Language
Entire Agreement
Relevant Industries

Banking and Financial Services

Real Estate and Construction

Manufacturing and Industrial

Technology and Innovation

Healthcare and Life Sciences

Energy and Natural Resources

Infrastructure Development

Hospitality and Tourism

Retail and Commercial

Transportation and Logistics

Relevant Teams

Legal

Finance

Compliance

Risk Management

Treasury

Corporate Banking

Investment Banking

Credit

Islamic Banking

Project Finance

Relevant Roles

Chief Financial Officer

Legal Counsel

Investment Manager

Finance Director

Compliance Officer

Risk Manager

Corporate Banker

Investment Banker

Treasury Manager

Credit Analyst

Corporate Finance Manager

Legal Director

Banking Relationship Manager

Islamic Finance Specialist

Project Finance Manager

Industries
UAE Federal Law No. 5 of 1985 (Civil Code): Governs general contract principles, obligations, and civil transactions. Essential for basic contract formation, validity, and enforcement provisions.
UAE Federal Law No. 18 of 1993 (Commercial Code): Regulates commercial transactions and banking operations, including provisions specific to commercial loans and financial instruments.
UAE Central Bank Regulation No. 29/2011: Covers regulations regarding loan risk, lending limits, and general banking operations in the UAE.
UAE Federal Law No. 14 of 2018 (UAE Central Bank Law): Regulates central bank operations and financial institutions, including lending practices and financial supervision.
UAE Federal Law No. 4 of 2000 (Capital Markets Law): Relevant for investment-related aspects and securities that might be used as collateral.
UAE Federal Law No. 20 of 2016 (Mortgage Law): Important for provisions related to security and mortgage aspects of investment loans.
Federal Decree-Law No. 20 of 2018 (Anti-Money Laundering Law): Ensures compliance with AML regulations in financial transactions and loan agreements.
UAE Federal Law No. 6 of 1985 (Islamic Banking): Provides framework for Islamic banking principles which might be relevant for Sharia-compliant investment loans.
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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