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Security that has not been designed with enforcement in mind is worth very little on the day you need it.

We advise borrowers and lenders on the documentation, the security structuring and the intercreditor arrangements that decide whether a facility performs as intended, both while it is running normally and at the point where enforcement is required.

Our work covers conventional and Islamic-finance structures, including the interaction between security packages and UAE court enforcement, ADGM and DIFC court support, and the specific mechanics of share pledges, account charges, and asset security across mainland and free-zone registries.

“Security that has not been designed with enforcement in mind is worth very little on the day you need it.”

— Pillar I · Corporate & Transactions

When a facility moves toward distress, we coordinate the workout: restructuring proposals, standstill arrangements and intercreditor negotiations. Where the consensual routes run out, our litigation team takes it through enforcement and recovery.

The work, in detail

Four matter types we handle in banking and finance.

Corporate and acquisition finance.

Bilateral and syndicated facilities for UAE-incorporated borrowers and acquirers: senior secured term loans, mezzanine layers, working-capital revolvers and acquisition-finance documentation drafted to line up with the underlying SPA and security package.

Project and real-estate finance.

Development and project finance for UAE real-estate and infrastructure assets, with security packages calibrated to escrow regimes, off-plan sale rules and the construction payment chain that determines when cash actually moves.

Islamic finance documentation.

Sharia-compliant facility documentation across murabaha, ijara, wakala, mudaraba and hybrid structures, drafted to satisfy Sharia board requirements while holding up under UAE law and working in practice before the UAE courts.

Security, perfection, and enforcement.

Security packages that work in practice. Share pledges and account charges registered with the relevant UAE registries, asset security properly perfected, intercreditor agreements that survive a workout, and an enforcement strategy settled with our litigation team well before it is needed.

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Discuss a banking and finance matter with us.

We're available to assess your position and advise on the most effective approach. Initial conversations are always without obligation.