Ƶ

Loan Master Agreement for United Arab Emirates

Loan Master Agreement Template for United Arab Emirates

A comprehensive legal framework document governed by UAE law that establishes the terms and conditions for a lending relationship between financial institutions and borrowers. This agreement serves as the foundation for multiple loan transactions, incorporating UAE banking regulations, Civil Code requirements, and optionally, Sharia compliance provisions. It includes detailed mechanisms for drawdowns, repayments, security arrangements, and covenant compliance, while addressing specific UAE legal requirements regarding interest, security registration, and enforcement procedures.

Your data doesn't train Genie's AI

You keep IP ownership of your information

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Download a Standard Template

4.6 / 5
4.8 / 5
Access for free
OR

Alternatively: Run an advanced review of an existing
Loan Master Agreement

Let Ƶ's market-leading legal AI identify missing terms, unusual language, compliance issues and more - in just seconds.

What is a Loan Master Agreement?

The Loan Master Agreement is a sophisticated legal instrument designed for use in the United Arab Emirates, establishing a framework under which multiple loan facilities can be extended over time. This document is particularly crucial in the UAE market where both conventional and Islamic financing structures coexist, and where specific regulatory requirements must be met under UAE Federal Laws and Central Bank regulations. The agreement serves as the primary document governing the ongoing relationship between lenders and borrowers, incorporating all essential terms, conditions, and operational mechanics while ensuring compliance with UAE banking regulations, civil law requirements, and commercial practices. It is typically used when parties anticipate multiple loan transactions and want to avoid negotiating separate agreements for each facility, thereby streamlining the lending process while maintaining robust legal protection for all parties involved.

What sections should be included in a Loan Master Agreement?

1. Parties: Identification of the lender and borrower, including full legal names, registration details, and addresses

2. Background: Context of the agreement, relationship between parties, and purpose of the master agreement framework

3. Definitions and Interpretation: Comprehensive definitions of terms used throughout the agreement and rules of interpretation

4. Facility Terms: Core terms of the loan facility, including type, purpose, and general conditions

5. Drawdown Mechanics: Procedures and conditions for requesting and receiving loan disbursements

6. Interest and Fees: Interest calculation methodology, applicable rates, and fee structures

7. Repayment Terms: General repayment obligations, scheduling, and prepayment provisions

8. Representations and Warranties: Standard declarations made by the borrower regarding their legal and financial status

9. Covenants: Ongoing obligations of the borrower, including financial covenants and reporting requirements

10. Events of Default: Circumstances constituting default and consequences thereof

11. Security: General security structure and enforcement rights

12. Governing Law and Jurisdiction: Specification of UAE law as governing law and jurisdiction for disputes

What sections are optional to include in a Loan Master Agreement?

1. Islamic Finance Provisions: Additional provisions for Sharia compliance, used when the facility needs to be Sharia-compliant

2. Syndication Provisions: Provisions for syndicated lending arrangements, used when multiple lenders are involved

3. Currency Provisions: Special provisions for multi-currency facilities

4. Increased Costs and Tax Provisions: Detailed provisions for handling regulatory changes and tax implications

5. Agency Provisions: Required when an agent bank is appointed to manage the facility

6. Market Disruption: Provisions dealing with market disruption events, particularly relevant for EIBOR-based facilities

7. Assignment and Transfer: Detailed provisions for transferring or assigning rights under the agreement

What schedules should be included in a Loan Master Agreement?

1. Form of Drawdown Notice: Standard form for requesting loan disbursements

2. Form of Compliance Certificate: Template for periodic compliance certification by the borrower

3. Conditions Precedent: Detailed list of required documents and conditions for initial and subsequent drawdowns

4. Pricing Schedule: Detailed breakdown of interest rates, margins, and fee calculations

5. Form of Transfer Certificate: Standard documentation for transferring interests in the facility

6. Repayment Schedule: Detailed repayment schedule template

7. Security Details: Comprehensive list and details of security arrangements

8. Financial Covenants Calculations: Detailed methodology for calculating financial covenants

Authors

Alex Denne

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

Publisher

Ƶ

Document Type

Financing Agreement

Cost

Free to use
Relevant legal definitions




















































Clauses





































Relevant Industries

Banking

Financial Services

Real Estate

Construction

Manufacturing

Trading

Retail

Healthcare

Technology

Energy

Infrastructure

Transportation

Hospitality

Education

Relevant Teams

Legal

Finance

Treasury

Risk Management

Compliance

Corporate Banking

Islamic Banking

Credit Administration

Operations

Transaction Management

Relevant Roles

Chief Financial Officer

Treasury Manager

Finance Director

Legal Counsel

Compliance Officer

Risk Manager

Credit Manager

Relationship Manager

Transaction Manager

Corporate Banking Manager

Islamic Banking Specialist

Financial Controller

Head of Legal

Chief Risk Officer

Corporate Finance Manager

Industries









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

Find the exact document you need

Master Loan Participation Agreement

UAE-governed agreement establishing framework for financial institutions to participate in loan facilities, compliant with UAE Federal Laws and banking regulations.

find out more

Loan On Rental Agreement

UAE-governed agreement establishing a loan facility secured against property rental payments, combining lending and property law elements under UAE regulations.

find out more

Loan Facilitation Agreement

UAE-governed agreement establishing terms for loan facilitation services between borrowers and lenders, compliant with UAE banking and finance laws.

find out more

Individual To Individual Loan Agreement

UAE-governed loan agreement between private individuals, compliant with local laws and Sharia principles.

find out more

Agreement For Financial Support

UAE-governed agreement establishing terms and conditions for providing financial support, including disbursement, repayment, and security arrangements.

find out more

Simple Business Loan Agreement

UAE-governed loan agreement defining terms and conditions for business financing, compliant with UAE Federal Laws and banking regulations.

find out more

Loan Payment Agreement

UAE-governed agreement establishing loan repayment terms between lender and borrower, compliant with UAE federal laws and banking regulations.

find out more

Simple Loan Repayment Agreement

UAE-governed agreement establishing loan repayment terms and conditions between parties, compliant with UAE Civil Code and banking regulations.

find out more

Royalty Financing Agreement

UAE-governed agreement establishing terms for revenue-based financing where investors receive ongoing royalty payments in exchange for capital investment.

find out more

Loan For Use Agreement

A UAE-governed agreement for the temporary, gratuitous loan of property, compliant with UAE Civil Code and Sharia law principles.

find out more

Loan And Mortgage Agreement

UAE-governed agreement establishing terms for a property-secured loan, combining lending provisions with mortgage requirements under UAE Federal Laws and optional Sharia compliance.

find out more

Film Financing Agreement

UAE-governed agreement establishing terms and conditions for film production financing, including funding structure, rights, and obligations under UAE media and financial regulations.

find out more

Vehicle Payment Plan Agreement

UAE-governed agreement establishing terms for vehicle purchase through structured installment payments, including payment schedules, ownership rights, and compliance requirements.

find out more

Undertaking Loan Agreement

UAE-governed loan agreement with borrower undertakings, detailing facility terms and enforcement mechanisms under UAE law.

find out more

Rent Agreement For Loan

UAE-governed agreement combining rental and financing arrangements, structuring property rental with associated loan terms in compliance with UAE federal and Islamic finance laws.

find out more

Promissory Loan Agreement

UAE-governed loan agreement with promissory note security, detailing loan terms, repayment conditions, and enforcement mechanisms under UAE law.

find out more

Margin Loan Agreement

UAE-governed agreement establishing terms for margin lending facilities secured by financial instruments, compliant with UAE Central Bank and SCA regulations.

find out more

Loan Swap Agreement

UAE-governed agreement for exchanging loan payment obligations between parties, incorporating local banking regulations and optional Shariah compliance.

find out more

Loan Note Agreement

A UAE-governed financing document evidencing debt obligations and loan facility terms, incorporating local legal requirements and banking regulations.

find out more

Financing Contract Agreement

A UAE law-governed agreement establishing terms and conditions for financing arrangements between lenders and borrowers, incorporating local regulatory requirements and financing structures.

find out more

Financial Assistance Agreement

UAE-governed agreement establishing terms for financial assistance between a lender and borrower, incorporating local banking regulations and optional Sharia compliance.

find out more

Financial Agreement Between Two Parties

UAE-compliant financial agreement template establishing terms and conditions for financial arrangements between two parties, incorporating UAE Federal Law requirements.

find out more

Equipment Lease Purchase Agreement

UAE-governed agreement for equipment leasing with purchase option, detailing financial terms, maintenance obligations, and ownership transfer conditions.

find out more

Bridge Financing Agreement

UAE-governed agreement establishing terms for temporary financing to bridge gaps between immediate funding needs and long-term financing arrangements.

find out more

Bank Guarantee Agreement

A UAE-governed agreement where a bank commits to pay a specified sum to a beneficiary upon demand, subject to defined terms and UAE banking regulations.

find out more

Unsecured Loan Agreement Between Two Companies

UAE-governed unsecured loan agreement between companies, establishing terms for corporate lending without collateral under UAE Federal Laws.

find out more

Municipal Lease Purchase Agreement

UAE-governed agreement enabling municipalities to acquire properties through lease-to-own arrangements, combining leasing and purchasing elements under local authority guidelines.

find out more

Debtor In Possession Loan Agreement

A UAE-law governed agreement for post-petition financing to a company in bankruptcy proceedings, establishing loan terms and super-priority status under UAE Bankruptcy Law.

find out more

Standard Hire Purchase Agreement

UAE-governed agreement for asset purchase through installments, with ownership retention by seller until final payment.

find out more

Mortgage Loan Purchase And Sale Agreement

UAE-governed agreement for the sale and transfer of mortgage loans between financial institutions, incorporating local banking and property law requirements.

find out more

Simple Loan Agreement Between Friends

UAE-compliant loan agreement template for documenting personal loans between friends, incorporating local legal requirements and Islamic law principles.

find out more

Mortgage Bond Agreement

UAE-governed security agreement creating a mortgage over real property, complying with UAE Federal Laws and local emirate regulations.

find out more

Consortium Loan Agreement

UAE-governed syndicated loan agreement establishing terms for multiple lenders providing financing to a borrower, including facility management, security arrangements, and lender coordination provisions.

find out more

Binding Loan Agreement

UAE-governed loan agreement establishing terms and conditions for a secured lending facility, incorporating local law requirements and Sharia compliance considerations.

find out more

Medical Equipment Loan Agreement

UAE-governed agreement for medical equipment loans between healthcare entities, incorporating local healthcare regulations and safety standards.

find out more

Loan Commission Agreement

UAE-governed agreement establishing commission terms for loan facilitation services between financial institutions and commission agents.

find out more

Jewelry Loan Agreement

UAE-governed agreement for temporary jewelry loans, including valuation, insurance, and security requirements under UAE Federal Laws.

find out more

Lease To Own Agreement For Vehicle

UAE-governed agreement establishing terms for vehicle lease-to-own arrangement, including payment structure and ownership transfer conditions.

find out more

Loan Referral Agreement

UAE-governed agreement establishing terms for referring potential borrowers to financial institutions, including commission structures and compliance requirements.

find out more

Lending Loan Agreement

UAE-governed loan agreement establishing terms and conditions for lending arrangements, compliant with UAE Civil and Commercial Codes.

find out more
See more related templates

ұԾ’s Security Promise

Genie is the safest place to draft. Here’s how we prioritise your privacy and security.

Your documents are private:

We do not train on your data; ұԾ’s AI improves independently

All data stored on Genie is private to your organisation

Your documents are protected:

Your documents are protected by ultra-secure 256-bit encryption

We are ISO27001 certified, so your data is secure

Organizational security:

You retain IP ownership of your documents and their information

You have full control over your data and who gets to see it