We prepare loan agreements, security documents, guarantees and intercreditor arrangements. Our lawyers ensure terms are clear, comprehensive and reflect regulatory requirements. We also advise on e‑signatures and document automation to streamline processes, and support borrowers in understanding obligations and negotiating fair terms
Our expertise spans a wide range of financing structures, including secured and unsecured loans, bilateral facilities, syndicated facilities, asset‑based lending, project finance, mezzanine finance and Islamic finance. We draft and negotiate term sheets, facility agreements, security agreements such as mortgages, fixed and floating charges and debentures, and intercreditor agreements that govern the rights and obligations of multiple lenders. We assist with the creation and registration of security interests, ensuring they are enforceable across jurisdictions. For borrowers, we negotiate covenants and events of default to align with operational realities. For lenders, we ensure that representations, warranties and undertakings provide sufficient protection. We advise on regulatory requirements, such as consumer credit regulations and anti‑money‑laundering rules, and liaise with regulators where necessary. In times of distress, we assist with loan restructurings, amendments and workouts, helping parties avoid default and insolvency. Our team also advises on digital financing, including electronic signatures, document automation and blockchain‑based security. We coordinate with tax advisers and accountants to ensure that financing arrangements are tax‑efficient and appropriately reflected in financial statements.
Robust documents minimise legal disputes, clarify repayment and security terms and give parties confidence when advancing or receiving funds. Our proactive approach reduces transaction delays and protects against enforceability issues.
Comprehensive loan and security documentation provides certainty about the rights and obligations of each party, which is critical when large sums are at stake. Clear covenants and events of default give lenders early warning of financial distress, allowing them to take protective measures. Borrowers benefit from tailored terms that reflect their business realities and reduce the risk of inadvertent breaches. By ensuring that security interests are properly documented and registered, we enhance the likelihood of recovery in the event of default and facilitate secondary market trading. Our assistance with electronic signatures and digital documentation accelerates closing, reduces paperwork and improves record‑keeping. In restructuring scenarios, our ability to renegotiate terms can save businesses and preserve relationships. Overall, our involvement reduces the risk of disputes, enforcement challenges and reputational damage.
We understand the commercial drivers behind lending and balance legal precision with business pragmatism. Our team keeps pace with technological developments in banking documentation and advocates for fair, transparent agreements.
Our banking and finance team has acted for banks, financial institutions, alternative lenders, private equity investors and borrowers across industries. We are familiar with market standards and have negotiated deals from small business loans to multi‑billion‑dollar facilities. We work closely with our restructuring, tax and insolvency colleagues to provide holistic advice. Our lawyers use clear language and are approachable, ensuring that clients understand complex financing terms. We are adept at balancing the interests of multiple parties and achieving consensus quickly. By embracing technology and automation, we deliver efficient documentation and reduce turnaround times. Clients value our commercial acumen, responsiveness and commitment to building long‑term relationships.
