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Lending Agreement With Collateral

Lending Agreement With Collateral Template for United Arab Emirates

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Key Requirements PROMPT example:

Lending Agreement With Collateral

"I need a Lending Agreement With Collateral for a 5-year corporate loan of AED 10 million to a manufacturing company, secured by industrial equipment and machinery, with quarterly repayments starting March 2025."

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Document background
The Lending Agreement With Collateral is a fundamental document in UAE secured financing transactions, used when a lender provides funding against specific assets pledged as security. This agreement is essential for both conventional and Islamic banking structures in the UAE, requiring compliance with federal regulations including UAE Federal Law No. 5 of 1985 (Civil Code) and UAE Federal Law No. 4 of 2020 (Security Interest Law). The document establishes the loan terms, creates security interests over the collateral, and provides enforcement mechanisms. It includes specific provisions required under UAE law for security perfection, registration requirements, and enforcement procedures, while addressing both federal and emirate-level regulatory requirements. The agreement is typically used in corporate financing, asset financing, or project financing where tangible or intangible assets are provided as security for the loan.
Suggested Sections

1. Parties: Identification of the lender, borrower, and any security providers or guarantors

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

3. Definitions and Interpretation: Key terms used throughout the agreement and interpretation rules

4. The Facility: Loan amount, purpose, availability period, and drawdown conditions

5. Interest and Fees: Interest calculation, payment dates, default interest, and applicable fees

6. Repayment Terms: Repayment schedule, prepayment provisions, and payment mechanics

7. Security Arrangements: Description of collateral, creation of security interest, and perfection requirements

8. Representations and Warranties: Statements of fact and assurances from the borrower and security providers

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

10. Events of Default: Circumstances constituting default and consequences

11. Enforcement Rights: Lender's rights and remedies upon default, including collateral enforcement

12. Changes to Parties: Assignment and transfer provisions

13. Administration: Notices, calculations, and other administrative provisions

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

15. Execution: Signature blocks and execution formalities

Optional Sections

1. Sharia Compliance: Required if the facility needs to be Sharia-compliant, including relevant principles and structure

2. Guarantees: Include if there are personal or corporate guarantees in addition to collateral

3. Security Agent Provisions: Required for syndicated facilities with multiple lenders

4. Currency Provisions: Include if loan and repayment currencies may be different

5. Tax Provisions: Detailed tax provisions if cross-border elements exist

6. Additional Security Rights: For complex security structures with multiple types of collateral

7. Insurance Requirements: Detailed insurance provisions if specific insurance is required for the collateral

Suggested Schedules

1. Facility Details: Detailed terms of the facility including amounts, interest rates, and fees

2. Conditions Precedent: List of documents and conditions required before drawdown

3. Repayment Schedule: Detailed amortization schedule if term loan

4. Form of Drawdown Request: Template for borrower to request loan disbursement

5. Security Documents: Forms of security documents, charges, and pledges

6. Collateral Schedule: Detailed description and valuation of all collateral assets

7. Form of Compliance Certificate: Template for periodic compliance reporting

8. Notice Details: Contact details and address for notices for all parties

9. Form of Transfer Certificate: Template for transferring loan participation if permitted

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions


















































Clauses














































Relevant Industries

Banking & Financial Services

Real Estate & Construction

Manufacturing & Industrial

Trading & Commercial

Healthcare

Hospitality & Tourism

Technology & Communications

Energy & Utilities

Transportation & Logistics

Retail & Consumer Goods

Relevant Teams

Legal

Finance

Risk Management

Compliance

Treasury

Credit

Corporate Banking

Operations

Security Administration

Document Management

Relevant Roles

Chief Financial Officer

Finance Director

Legal Counsel

Corporate Lawyer

Risk Manager

Credit Manager

Compliance Officer

Treasury Manager

Banking Relationship Manager

Security Trustee

Loan Officer

Corporate Secretary

Financial Controller

Business Development 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

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