Banking and Finance Law
We work with both borrowers and lenders to provide comprehensive advice on all types of debt finance and security arrangements. Whether you are seeking funding for an acquisition, refinancing a property development, or securing asset finance, our experienced legal team is here to support you through every stage of the process.
Our expertise covers a broad spectrum of financial arrangements, from initial structuring and negotiation to drafting and execution. We ensure that your financing agreements are robust, compliant, and aligned with your objectives.
Our Banking and Finance Services
- Loan and Facility Agreements
We draft and negotiate all forms of loan and facility agreements, whether bilateral or syndicated, ensuring that the terms reflect your commercial needs and comply with regulatory requirements. Our services include:
- Drafting bespoke loan agreements and reviewing standard form documentation.
- Advising on covenants, warranties, and repayment terms.
- Advising on and preparing related security documentation, including debentures, mortgages, and guarantees.
- Property and Development Finance
We advise on financing for property acquisitions, developments, and construction projects.
- Acquisition Finance and Leveraged Debt
Our team assists with the financing of mergers, acquisitions, and corporate buyouts, including the related security packages.
- Asset Finance
We provide legal support for asset-backed financing, helping businesses secure loans against valuable assets such as equipment, vehicles, and machinery. Our services include:
- Drafting asset finance agreements.
- Advising on title retention and security interests.
- Corporate Restructuring and Refinancing
We support businesses through complex restructuring and refinancing processes, including:
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- Restructuring debt portfolios to improve financial efficiency.
- Negotiating with creditors and lenders.
- Advising on refinancing options to reduce costs and support growth.
Frequently Asked Questions (FAQs)
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What key steps should I follow before entering into a finance arrangement?
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Before entering a finance arrangement, ensure that you review the proposed terms, understand any potential obligations (such as covenants or security requirements), and conduct financial projections to confirm affordability.
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How can I negotiate more flexible loan covenants?
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Negotiating flexibility often involves demonstrating robust financial health and future cash flow stability. We help structure covenant packages that are achievable while balancing lender expectations, ensuring that your business retains enough flexibility for future growth.
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What should I look out for in property finance agreements?
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Pay attention to loan-to-value ratios, interest rate clauses, drawdown conditions, and repayment schedules. Additionally, ensure that planning permissions and construction timelines align with your financing terms to avoid breach risks.
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What are the common mistakes businesses make in refinancing?
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Common mistakes include failing to renegotiate restrictive terms, underestimating transaction costs, and overlooking early repayment penalties. We provide strategic advice to help businesses achieve cost-effective refinancing.
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Can I secure financing without putting up personal guarantees?
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In some cases, alternative security arrangements, such as asset-based lending or using company guarantees, may suffice. We help explore all available options and negotiate to minimise personal exposure.
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How can I improve my chances of securing acquisition finance?
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Prepare a solid business plan, provide detailed financial records, and demonstrate how the acquisition will generate returns. We support clients by creating robust supporting documentation and facilitating negotiations with lenders.
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What are the risks of syndicated loans for businesses?
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Syndicated loans involve multiple lenders, which can complicate communication and increase the risk of conflicting demands. We assist in ensuring that terms are clear and protect your interests during multi-party negotiations.
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What should I consider when securing asset-based finance?
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Ensure that the terms for valuing and using assets as security are clear and do not restrict your business operations. We help draft agreements that balance security interests while maintaining operational flexibility.
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When should I seek legal advice during corporate restructuring?
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Engage legal advisors as early as possible to identify potential risks, assess refinancing options, and create a cohesive plan for negotiations with creditors. Early legal support can improve outcomes and avoid costly delays.
Contact Us
If you’re considering a Banking and Finance Law, get in touch with The Jonathan Lea Network for a free initial consultation. We’re here to help you achieve your business goals with confidence.
📞 Phone: 01444 708640
✉️ Email: wewillhelp@jonathanlea.net
🌐 Online Contact Form
Our Banking and Finance Law Team
What Our Clients Say
Request a Free
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20 Minute Call
This introductory call is to discuss your matter so we can provide a well-considered quote.
However, please be aware that the free 20 minute call is at our discretion. If you are more looking for advice and guidance on an initial call, we may instead offer a one-hour fixed fee appointment instead.
Our fixed fee appointments are between £200 – £300 + VAT depending on the seniority of the solicitor taking the call.
