Loan & financing agreements
Drafting, reviewing and negotiating loan and financing agreements, including security and guarantee terms.
Finance & Banking Law · Dubai, UAE
Banking & Finance Lawyer Dubai
Structuring a loan, financing agreement, or Islamic finance transaction? Get the terms and the regulatory position right from the start.
MBM advises businesses and institutions on Dubai finance transactions - loan and financing agreements, project finance, Islamic finance structures and regulatory compliance. If your matter is an urgent dispute with a bank, see our dedicated banking dispute page instead.
The framework
CBUAE oversight, and the terms you actually sign
Banks and finance companies in the UAE operate under the oversight of the Central Bank of the UAE (CBUAE). Within that framework, the specific terms of a loan, financing or Islamic finance agreement - repayment, security, default and dispute resolution - govern most of what actually happens between borrower and lender.
Islamic finance structures such as Sukuk, Murabaha and Ijara sit within their own distinct documentation conventions. This page describes the general framework; it is not advice on your transaction.
Matters we handle
Finance transactions MBM advises on
These are the transactions that most often reach us. If yours is not listed, it is still worth a call.
Project finance
Structuring finance around a project's cash flows and assets, for infrastructure, energy or real estate developments.
Islamic finance structuring
Sharia-compliant structures including Sukuk issuance, Murabaha and Ijara arrangements.
Debt restructuring
Renegotiating repayment terms, security or facility structure with lenders as a constructive alternative to default.
Regulatory compliance
Advisory support on CBUAE and sector-specific regulatory requirements affecting a finance transaction or institution.
Our approach
What MBM actually does on a finance transaction
Concrete steps, in the order they usually happen.
Confirm the structure
Conventional, project, or Islamic finance - the structure decides the documentation and the regulatory considerations.
Negotiate and draft the documents
Loan agreements, security documents and guarantees, negotiated to reflect the commercial terms actually agreed.
Advise on regulatory requirements
Where CBUAE or sector-specific compliance applies, we advise on what is required before completion.
Support restructuring where needed
Where a facility needs to be renegotiated, we advise on the options and support the negotiation.
Why MBM
Transactional precision, backed by litigation experience
Finance documents are tested hardest when something goes wrong. MBM drafts with that in mind, informed by what actually gets argued in a banking dispute.
- Transactional and dispute experience. We draft finance documents and, on the dispute side, litigate banking disputes - see bank account freeze & banking disputes.
- Straight answers on risk. If a term creates unnecessary exposure, we will say so before you sign.
- Two offices. Dubai and Sharjah.
17Years in practice as MBM Businessmen Services L.L.C.
90+Years of shared experience across the team
10Lawyers, litigation and arbitration capable
95%Win rate in high-stakes disputes, as published by the firm
Common questions
Banking & finance transactions, answered directly
General information, not advice on your transaction. Positions and procedures can change and depend on your specific facts.
What does a banking and finance lawyer do in Dubai?
Banking and finance lawyers advise on structuring, negotiating and documenting finance transactions - loans, project finance, Islamic finance structures - and on regulatory compliance for institutions and borrowers dealing with UAE banks and financial regulation.
Who regulates banks and finance companies in the UAE?
The Central Bank of the UAE (CBUAE) regulates banks and finance companies operating in the UAE, setting the framework within which loan agreements, guarantees and letters of credit generally operate.
What is Islamic finance, and how does it differ from conventional lending?
Islamic finance structures - such as Sukuk, Murabaha and Ijara - are designed to comply with Sharia principles, generally avoiding interest in favour of profit-sharing, asset-backed or lease-based structures. Documentation and structuring differ materially from conventional loan agreements.
What should a loan or financing agreement address?
Key terms include drawdown conditions, repayment and interest terms, events of default, security and guarantees, and the governing law and dispute resolution forum. Gaps in any of these are common sources of later disputes.
What is project finance?
Project finance structures funding around the cash flows and assets of a specific project rather than a borrower's general balance sheet, commonly used for large infrastructure, energy or real estate developments.
Can debt be restructured rather than defaulted on?
In many cases, yes. Debt restructuring involves renegotiating repayment terms, security or the underlying facility with lenders, and can be a more constructive route than default for both borrower and lender where genuinely workable.
Does this page cover disputes with my bank, such as a frozen account?
No - urgent banking disputes such as a frozen account, a called guarantee, or a bank claim are handled on a dedicated page given their time-critical nature.
How much does banking and finance transactional advice cost in Dubai?
The initial consultation with MBM is free. Cost thereafter depends on the size and complexity of the transaction. MBM provides a scope and fee position before you instruct.
Free consultation
Tell us about the transaction
Tell us briefly about your situation. Our team will review your enquiry and advise you on the appropriate next step. Everything you send is treated as confidential.
- +971 4 570 0204Dubai office · Monday to Friday, 08:00–17:00
- WhatsApp +971 54 596 1111Tell us briefly about the transaction
- info@mbm-co.comAttach any transaction documents you have
Practice area: Finance & Banking Law
Jurisdiction: Dubai & Sharjah, UAE
Last reviewed: September 2026
Thank you — your enquiry is with our team.
A member of the MBM team will review what you have sent and come back to you with the appropriate next step.
Finance documents are tested when something goes wrong. Draft for that from the start.
Whether it is a loan, project finance, or an Islamic finance structure, the earlier we are involved, the stronger the documentation. The first consultation is free.