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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
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
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
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
Legal
Finance
Compliance
Risk Management
Treasury
Corporate Banking
Investment Banking
Credit
Islamic Banking
Project Finance
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
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