Financial templates for United Arab Emirates
Browse all 53 free financial legal templates for United Arab Emirates. Download as PDF or Word.
Loans & Promissory Notes
Credit Facility Agreement (UAE)
A UAE bank credit facility agreement covering revolving credit, term loans, and overdraft facilities for businesses and individuals. Governed by the UAE Civil Code and the Central Bank of the UAE's Consumer Protection Regulation.
Ijara Lease Finance Agreement (UAE)
A Sharia-compliant Islamic lease finance agreement (Ijara or Ijara Muntahia Bittamleek) under which a UAE Islamic bank retains ownership of an asset and leases it to a customer, with or without a transfer of ownership at the end of the term.
Loan Agreement (UAE)
A bilateral loan agreement between private parties in the UAE. Sets out the principal, profit/interest rate, repayment schedule, security, and events of default under the UAE Civil Code (Federal Law No. 5 of 1985).
Loan Restructuring Agreement (UAE)
A UAE Loan Restructuring Agreement that formally amends the terms of an existing loan — revising the outstanding balance, interest rate, and repayment schedule — under the UAE Civil Code (Federal Law No. 5 of 1985) and Commercial Transactions Law (Federal Decree-Law No. 50 of 2022).
Murabaha Financing Agreement (UAE)
A Sharia-compliant cost-plus-profit financing agreement used by UAE Islamic banks and finance companies to fund asset purchases for customers, governed by the UAE Civil Code and Central Bank regulations.
Personal Guarantee (UAE)
A deed of personal guarantee for the UAE under which a guarantor promises to pay a debtor's obligations if the debtor defaults. Caps liability, sets duration, and is governed by the UAE Civil Code (Federal Law No. 5 of 1985).
Promissory Note (UAE)
A negotiable promissory note for the UAE in which the maker unconditionally promises to pay a fixed sum to the payee. Sets out amount, interest, due date, and enforcement under the Commercial Transactions Law (Federal Decree-Law No. 50 of 2022).
Shareholder Loan Agreement (UAE)
A Shareholder Loan Agreement for UAE companies recording a loan from a shareholder to the company, with interest rate, subordination, conversion option, and default provisions under the UAE Civil Code (Federal Law No. 5 of 1985) and Commercial Companies Law (Federal Decree-Law No. 32 of 2021).
Invoices & Billing
Commercial Invoice (UAE)
A UAE Commercial Invoice for cross-border trade documenting exporter and importer details, goods description, HS code, Incoterms 2020, and total value. Meets Federal Customs Authority and VAT Law requirements.
Credit Note (UAE)
A UAE VAT-compliant credit note template for adjusting or cancelling an original tax invoice, covering supplier and customer TRNs, original invoice reference, reason for credit, net credit, VAT adjustment, and total. Compliant with Federal Decree-Law No. 8 of 2017 and its Executive Regulation.
Debit Note (UAE)
A UAE Debit Note issued to notify a buyer of an additional amount owed, adjusting an original invoice for under-billing, price increases, or additional charges. Includes VAT adjustment under Federal Decree-Law No. 8 of 2017.
Invoice Template (UAE)
A professional commercial invoice template for UAE businesses covering seller and buyer details, line items, VAT, payment terms, and bank details. Compliant with the Commercial Transactions Law (Federal Decree-Law No. 50 of 2022) and VAT Law (Federal Decree-Law No. 8 of 2017).
Purchase Order (UAE)
A professional UAE purchase order template covering buyer and supplier details, TRNs, itemised goods or services, VAT, delivery terms, payment terms, and acceptance conditions. Compliant with the Commercial Transactions Law (Federal Decree-Law No. 50 of 2022) and VAT Law (Federal Decree-Law No. 8 of 2017).
Quotation Template (UAE)
A professional price quotation template for UAE businesses covering supplier and client details, itemised pricing, VAT, validity period, payment terms, and an acceptance block. Governed by the Commercial Transactions Law (Federal Decree-Law No. 50 of 2022) and the UAE Civil Code.
Statement of Account (UAE)
A professional statement of account template for UAE businesses summarising outstanding invoices, payments received, and the closing balance due for a defined period. Compliant with the Commercial Transactions Law (Federal Decree-Law No. 50 of 2022) and the UAE Civil Code.
Tax Invoice (UAE VAT)
A compliant UAE VAT tax invoice showing the supplier TRN, customer details, supply description, net amount, 5% VAT, and total. Meets the requirements of the VAT Law (Federal Decree-Law No. 8 of 2017) and its Executive Regulation.
Financial Agreements
Bank Guarantee Application (UAE)
A UAE bank guarantee application form for performance, advance payment, bid bond, and other guarantee types. Documents the applicant's request to the issuing bank, the underlying obligation, counter-security, and indemnity under UAE Civil Code and Commercial Transactions Law.
Corporate Tax Registration Form (UAE)
A UAE Corporate Tax registration preparation form for businesses required to register with the Federal Tax Authority (FTA) under Federal Decree-Law No. 47 of 2022 on the Taxation of Corporations and Businesses.
Crypto Asset Purchase Agreement (UAE)
A formal sale and purchase agreement for virtual assets in the UAE. Covers asset identification, price in AED, delivery to a specified wallet, AML/KYC confirmations, and VARA/ADGM FSRA compliance under Federal Decree-Law No. 4 of 2022.
Crypto Custody Agreement (UAE)
A professional crypto custody agreement for UAE-licensed custodians. Covers VARA/ADGM FSRA compliance, asset segregation, cold/hot/MPC custody types, withdrawal procedures, AML/KYC, insurance, and client asset protection under Federal Decree-Law No. 4 of 2022.
Digital Wallet Terms and Conditions (UAE)
Terms and conditions for UAE digital wallet services covering both payment wallets (Central Bank-licensed) and virtual asset wallets (VARA/ADGM FSRA-licensed). Includes KYC tiers, AML/CFT obligations, PDPL data protection, fee schedule, and prohibited activities under UAE law.
Equity Investment Agreement (UAE)
An Equity Investment Agreement for UAE companies raising capital from investors. Covers share subscription, pre-money valuation, investor rights (liquidation preference, anti-dilution, tag-along), and closing conditions under the Commercial Companies Law (Federal Decree-Law No. 32 of 2021).
Escrow Agreement (UAE)
A UAE escrow agreement for real estate sales, off-plan property (DLD/RERA regulated), M&A transactions, and general commercial holdbacks. Three-party structure with escrow agent, depositor, and beneficiary under UAE Civil Code and Commercial Transactions Law.
Financial Guarantee Letter (UAE)
A UAE Financial Guarantee Letter issued by a guarantor to a beneficiary guaranteeing payment or performance obligations of a principal. Governed by UAE Civil Code Federal Law No. 5 of 1985 (kafala) and Commercial Transactions Law Federal Decree-Law No. 50 of 2022.
Fintech Partnership Agreement (UAE)
A structured fintech collaboration agreement for UAE-regulated entities. Covers partnership scope, revenue sharing, regulatory licence maintenance (Central Bank / VARA / ADGM FSRA / DFSA), AML/KYC responsibility allocation, UAE PDPL data protection, IP rights, and dispute resolution.
Guarantor Agreement (UAE)
A UAE Guarantor Agreement (kafala) under which a guarantor undertakes personal liability to a creditor for the obligations of a principal debtor, governed by the UAE Civil Code (Federal Law No. 5 of 1985) Articles 1056–1092 on suretyship.
Indemnity Agreement (UAE)
A bilateral indemnity agreement for UAE parties under the UAE Civil Code (Federal Law No. 5 of 1985) and the Insurance Law (Federal Decree-Law No. 48 of 2023). Covers broad or limited indemnity for activities, events, and commercial transactions with a liability cap and insurance requirement clause.
Instalment Payment Agreement (UAE)
A UAE Instalment Payment Agreement setting out a structured schedule for a debtor to repay an outstanding obligation in regular instalments, with security and default provisions, under the UAE Civil Code (Federal Law No. 5 of 1985).
Investment Management Agreement (UAE)
A discretionary Investment Management Agreement for UAE clients appointing a licensed manager to handle a portfolio under SCA regulations and the UAE Civil Code (Federal Law No. 5 of 1985). Covers mandate, fees, reporting, and DIAC arbitration.
Payment Gateway Agreement (UAE)
A complete payment gateway agreement for UAE merchants and Central Bank-licensed PSPs. Covers transaction fees, settlement timing, chargeback reserves, PCI-DSS requirements, VAT under Federal Decree-Law No. 8 of 2017, AML/CFT obligations, and PDPL data protection.
Payment Plan Agreement (UAE)
A UAE payment plan agreement that lets a debtor repay an acknowledged amount in scheduled instalments. Records the total owed, the instalment schedule, late-payment consequences, and governing law under the UAE Civil Code (Federal Law No. 5 of 1985).
Portfolio Management Agreement (UAE)
A Portfolio Management Agreement for UAE investors appointing a licensed portfolio manager to manage a defined sub-portfolio under SCA regulations and the UAE Civil Code (Federal Law No. 5 of 1985). Covers strategy, concentration limits, fees, and DIAC dispute resolution.
Private Placement Agreement (UAE)
A Private Placement Agreement for UAE securities offerings to professional or qualified investors. Covers share/sukuk/bond subscription, investor classification, lock-up, transfer restrictions, and representations under SCA regulations and the UAE Civil Code (Federal Law No. 5 of 1985).
Profit Participation Agreement (UAE)
A Profit Participation Agreement for UAE businesses allowing an investor to share in a business's net profits without acquiring equity or directorship. Governed by the UAE Civil Code (Federal Law No. 5 of 1985) with clear profit-sharing ratios, contribution terms, and exit provisions.
Salary Advance Agreement (UAE)
A UAE Salary Advance Agreement under which an employer advances a sum to an employee against future wages, with deduction-based repayment, compliant with the UAE Labour Law (Federal Decree-Law No. 33 of 2021).
Subrogation Waiver (UAE)
A waiver of subrogation for UAE commercial and construction contracts under the UAE Civil Code (Federal Law No. 5 of 1985) and the Insurance Law (Federal Decree-Law No. 48 of 2023). Used in property, construction (CAR), liability, motor, and marine policies to prevent the insurer recovering against the beneficiary after a claim.
Token Sale Agreement (UAE)
A compliant token sale agreement for UAE-based issuers selling utility, security, or payment tokens. Structured under Federal Decree-Law No. 4 of 2022, VARA Token Offering Rulebook, and ADGM FSRA Digital Asset Framework. Covers token description, vesting, AML/KYC, and risk disclosure.
Virtual Asset Service Agreement (UAE)
A comprehensive service agreement for VARA-licensed and ADGM FSRA-authorised Virtual Asset Service Providers (VASPs) in the UAE. Covers exchange, transfer, custody, brokerage, portfolio management, and advisory services under Federal Decree-Law No. 4 of 2022, with full AML/KYC, risk disclosure, and PDPL compliance.
Wealth Management Mandate (UAE)
A comprehensive Wealth Management Mandate for UAE high-net-worth clients appointing a licensed private bank or wealth manager to provide investment management, financial planning, tax advisory, and estate planning services under SCA, DFSA, or FSRA regulation.
Debt & Collections
Cheque Undertaking Letter (UAE)
A UAE cheque undertaking letter recording that a security or guarantee cheque is held on stated conditions, not as unconditional payment. Sets out the cheque details, the underlying obligation, and presentation terms under the Commercial Transactions Law (Federal Decree-Law No. 50 of 2022).
Debt Acknowledgment Agreement (UAE)
A UAE Debt Acknowledgment Agreement in which a debtor formally recognises and confirms an outstanding sum owed to a creditor, with repayment terms, under the UAE Civil Code (Federal Law No. 5 of 1985).
Debt Assignment Agreement (UAE)
A UAE Debt Assignment Agreement transferring a creditor's rights in an outstanding debt to a new assignee, including security accessories, governed by the UAE Civil Code (Federal Law No. 5 of 1985) Articles 1148–1164 on assignment of rights.
Debt Settlement Agreement (UAE)
A UAE debt settlement agreement under which a creditor accepts a reduced or restructured sum in full and final settlement of a debt. Records the original debt, the settlement amount, payment terms, and release under the UAE Civil Code (Federal Law No. 5 of 1985).
Receivables Assignment Agreement (UAE)
A UAE receivables assignment agreement for factoring, invoice discounting, and asset-backed financing. Transfers trade receivables from an assignor to a bank or financier under the UAE Civil Code and Commercial Transactions Law.
Financial Forms
Expense Reimbursement Form (UAE)
A professional UAE employee expense reimbursement form covering employee details, IBAN, claim period, itemised expenses, VAT on receipts, advance deduction, net payable, and dual-signature approval. Compliant with the Labour Law (Federal Decree-Law No. 33 of 2021) and VAT Law (Federal Decree-Law No. 8 of 2017).
Financial Hardship Letter (UAE)
A UAE Financial Hardship Letter requesting relief from a creditor, bank, landlord, or authority due to financial difficulty, covering loan payment deferrals, rent relief, and instalment reductions under the UAE Civil Code (Federal Law No. 5 of 1985).
Standing Order Authorisation (UAE)
A UAE Standing Order Authorisation instructing a UAE bank to make regular automatic payments from an account to a beneficiary. Includes IBAN, Emirates ID, payment schedule, and Central Bank of the UAE instructions.
Insurance
Health Insurance Claim (UAE)
A health insurance claim reimbursement form for UAE residents under Federal Decree-Law No. 48 of 2023, Dubai Health Authority (DHA) Law No. 11 of 2013, and Abu Dhabi Department of Health standards. Covers inpatient, outpatient, dental, and maternity claims.
Insurance Cancellation Request (UAE)
A formal insurance policy cancellation letter for UAE policyholders under Federal Decree-Law No. 48 of 2023 and Central Bank of the UAE regulations. Covers motor, health, property, and other policies with a pro-rata refund request and bank account details in AED.
Insurance Claim Form (UAE)
A general insurance claim form for UAE policyholders governed by Federal Decree-Law No. 48 of 2023. Covers motor, health, property, travel, and liability claims with the Insurance Authority of the UAE.
Motor Insurance Claim (UAE)
A motor insurance claim form for UAE policyholders under Federal Decree-Law No. 48 of 2023 and the UAE Traffic Law (Federal Law No. 21 of 1995). Records accident details, vehicle damage, police report number, and claim amount in AED.
Property Insurance Claim (UAE)
A property insurance claim form for UAE policyholders under Federal Decree-Law No. 48 of 2023 and the UAE Civil Code (Federal Law No. 5 of 1985). Covers fire, flood, theft, storm, and accidental damage to residential and commercial properties registered with the Dubai Land Department or Ejari.
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