Lending Agreements & Security Arrangements

Those with cash balances are only too aware of the frustrations caused by low interest rates. Our corporate solicitors are frequently consulted by those who have sold a business, downsized at home, or retired with a cash sum, and are actively seeking better returns than the nominal rates on offer even if this means accepting a greater degree of risk.

Although on the face of it borrowers are better positioned to benefit from this environment, we are aware that commercial operators with specific requirements can sometimes struggle to unlock finance to cover all of their requirements, with many finding that projects are failing to meet often rigid loan to value thresholds.

Our skill in our commercial law department is to ensure that whenever alternative lenders, who are often inexperienced private individuals, strike a deal with borrowers, the terms of the deal are properly documented via lending agreements and security arrangements. Whether you are looking to make or accept a straightforward loan, a “top-up” or subordinated loan, or even a loan with an equity component, our corporate law team based in offices across Essex and London are ideally positioned to assist. Drawing in some cases on first-hand banking experience, our legal specialists can advise on appropriately tailored security and guarantee structures to best support the terms of the arrangement.