The Shareholder Loan Note is commonly used in the UAE when companies require additional funding and choose to obtain it from existing shareholders rather than external financial institutions. This approach often offers more flexible terms and faster execution compared to traditional bank financing. The document is particularly useful for companies in growth phases, during strategic expansions, or when bridging temporary funding gaps. As a UAE law-governed instrument, it must comply with local regulations including the UAE Commercial Companies Law and, where applicable, Islamic finance principles. The Shareholder Loan Note typically includes detailed terms regarding the loan amount, profit/interest structure, repayment schedule, security arrangements, and events of default, while considering the unique aspects of UAE corporate and commercial law.
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1. Parties: Identification of the Lender (Shareholder) and Borrower (Company), including full legal names and registration details
2. Background: Context of the loan arrangement, relationship between parties, and purpose of the loan note
3. Definitions: Definitions of key terms used throughout the document
4. Loan Amount and Purpose: Specification of the principal amount and detailed purpose of the loan
5. Interest/Profit Rate: Details of the applicable interest or profit rate (ensuring Sharia compliance if required)
6. Repayment Terms: Terms and schedule for repayment of the loan, including any installment arrangements
7. Security: Details of any security or collateral provided for the loan
8. Representations and Warranties: Standard representations and warranties from both parties
9. Events of Default: Circumstances constituting default and consequences thereof
10. Governing Law and Jurisdiction: Specification of UAE law as governing law and jurisdiction for disputes
1. Conversion Rights: Terms for converting the loan into equity, if applicable
2. Subordination Provisions: Required if the loan is to be subordinated to other company debts
3. Islamic Finance Provisions: Additional provisions required for Sharia compliance
4. Tax Provisions: Specific tax-related provisions if relevant to the transaction
5. Change of Control: Provisions dealing with change in company ownership
6. Assignment and Transfer: Terms governing the transfer of the loan note to other parties
7. Financial Covenants: Specific financial maintenance covenants if required
1. Repayment Schedule: Detailed schedule of repayment dates and amounts
2. Calculation of Interest/Profit: Methodology for calculating interest/profit payments
3. Form of Drawdown Notice: Standard form for requesting disbursement if loan is drawn in tranches
4. Security Documents: Details of any security arrangements and related documentation
5. Corporate Authorizations: Copies of relevant corporate approvals and authorizations
6. Conditions Precedent: List of conditions to be satisfied before loan effectiveness
Relevant legal definitions
Clauses
Relevant Industries
Financial Services
Real Estate
Technology
Manufacturing
Retail
Healthcare
Construction
Energy
Transportation
Hospitality
Professional Services
Media and Entertainment
Relevant Teams
Legal
Finance
Treasury
Corporate Secretariat
Compliance
Risk Management
Corporate Development
Board of Directors
Executive Management
Relevant Roles
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Secretary
Treasury Manager
Financial Controller
Investment Manager
Managing Director
Chief Executive Officer
Shareholder Relations Manager
Corporate Finance Manager
Compliance Officer
Board Director
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