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1. Parties: Identification of the lender(s), borrower(s), and any guarantors
2. Background: Brief context of the financing requirement and purpose of the facility
3. Definitions: Key terms used throughout the term sheet
4. Facility Type and Purpose: Description of the type of facility (term loan, revolving credit, etc.) and its intended use
5. Facility Amount: The principal amount of the facility and any sub-limits
6. Currency: Specification of the facility currency and any conversion provisions
7. Availability Period: Timeline during which the facility can be drawn
8. Interest/Profit Rate: Applicable interest rate or profit rate structure, including base rate and margin
9. Repayment Terms: Schedule and method of repayment, including any grace period
10. Security Structure: Overview of required security and collateral
11. Key Covenants: Essential financial and operational covenants
12. Conditions Precedent: Key conditions to be satisfied before facility availability
13. Fees: All applicable fees including arrangement, commitment, and processing fees
14. Governing Law: Specification of UAE law as governing law and relevant jurisdiction
15. Status: Non-binding nature of the term sheet (except for specific provisions)
1. Islamic Finance Structure: Required when the facility needs to be Sharia-compliant, detailing the Islamic finance structure (e.g., Murabaha, Ijara)
2. Syndication Provisions: Included when the facility may be syndicated to multiple lenders
3. Green Financing Provisions: Required when the facility is structured as green or sustainable financing
4. Insurance Requirements: Detailed insurance requirements when specific coverage is crucial for the facility
5. Regulatory Approvals: When specific regulatory approvals are required, particularly for regulated industries
6. Currency Hedging: Required when dealing with multiple currencies or currency risk mitigation
7. Tax Considerations: Specific tax-related provisions when cross-border elements are involved
1. Indicative Repayment Schedule: Preliminary amortization schedule showing expected repayment dates and amounts
2. Security Assets Schedule: List and description of assets to be provided as security
3. Fees Schedule: Detailed breakdown of all applicable fees and charges
4. Financial Covenants Schedule: Detailed calculations and thresholds for financial covenants
5. Conditions Precedent Checklist: Detailed list of required documents and conditions
6. Know Your Customer Requirements: List of required KYC documents and compliance requirements
7. Form of Drawdown Notice: Template for drawdown requests
8. Contact Details: Key contact information for all parties
Banking & Financial Services
Real Estate & Construction
Manufacturing & Industrial
Healthcare
Technology & Communications
Energy & Utilities
Retail & Consumer Goods
Transportation & Logistics
Hospitality & Tourism
Education
Infrastructure Development
Islamic Finance
Mining & Resources
Agriculture & Food Production
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Investment Banking
Islamic Banking
Credit
Operations
Company Secretariat
Executive Management
Chief Financial Officer
Finance Director
Treasury Manager
Corporate Finance Manager
Legal Counsel
Compliance Officer
Risk Manager
Investment Manager
Banking Relationship Manager
Credit Officer
Corporate Banking Head
Structured Finance Manager
Islamic Banking Officer
Project Finance Manager
Financial Controller
Company Secretary
Managing Director
Chief Executive Officer
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