Banking & Finance
Financing structures, regulatory matters, and lender/borrower disputes.
Financing deals in the UAE increasingly mix conventional and Sharia-compliant structures, and lenders and borrowers alike need counsel who can move between both. We document, negotiate, and — when necessary — enforce financing arrangements for banks, corporates, and individual borrowers.
For borrowers, that often means understanding what security a bank is actually entitled to enforce and on what timeline; for lenders, it means documentation that holds up if a facility goes into default. We advise on both sides of these deals, and step in early when a loan starts to show signs of distress — restructuring terms before a lender moves to enforce, or preparing enforcement before a borrower's position deteriorates further.
What We Handle
- Loan, facility & security documentation
- Conventional and Sharia-compliant financing
- Regulatory & compliance advisory (UAE Central Bank)
- Debt recovery & enforcement of security
- Restructuring & workout negotiations
- Lender-borrower dispute resolution
Frequently Asked Questions
01 Can a UAE bank freeze my account or seize assets over unpaid debt?
A bank generally needs a court order to freeze accounts or seize assets, though it can act faster if your facility documentation includes a pre-agreed security assignment. We review what your bank is actually entitled to do before you respond to a default notice.
02 What's the difference between conventional and Sharia-compliant financing?
Sharia-compliant structures (such as Murabaha or Ijara) avoid interest by structuring the bank's return through a sale, lease, or profit-sharing arrangement instead of a loan, and are subject to both UAE law and Sharia governance standards. We document and negotiate both structures depending on what a lender or borrower needs.
03 Can I renegotiate loan terms if my business is struggling to repay?
Yes — most UAE banks will consider a restructuring or standstill arrangement before pursuing enforcement, particularly where a viable repayment plan is on the table. We negotiate those terms directly with the lender and document the revised facility.
Discuss your matter with us
Book a consultation and speak with our team directly.