Service overview: Debt finance solicitors
Service overview: Debt finance solicitors
- Debt finance allows businesses to borrow money, which is repaid over an agreed timeframe with the addition of interest. This method of funding differs from equity finance as full control of the business is retained.
- Debt finance enables companies to secure the funding they require for strategic projects, acquisitions and to bolster their working capital, so enabling them to increase their capacity and workforce.
- Given the complexity and range of debt finance products and specialist lending options available to individuals and companies, it is essential to assess your objectives against the advantages, disadvantages and risks of each.
- Harper James can advise and represent you about the legal aspects of your proposed transaction, ensuring that the agreement you enter into is water-tight, and all risks to your business are mitigated.
“The lawyer’s truth is not Truth, but consistency or a consistent expediency.”
Henry D. Thoreau
What we do: Debt finance legal advice
Debt finance provides a vital source of working capital, project or acquisition funding for businesses regardless of scale. Given the range of options available, it is essential to understand which products may be most suitable and to select one which meets the immediate and long term needs of your business. Our debt finance solicitors can advise you on the legal aspects of any existing or proposed debt finance arrangement.
The ability to make agile and tactical strategic decisions can make the difference between success and failure. As such, debt finance facilities may be key to enabling your business to quickly finance key developments.
Debt finance usually involves the process of borrowing a set amount from a lender which is repaid over time with interest. This contrasts with equity finance, which involves the sale of part of your business to an investor. As such, debt financing holds the advantage of affording control over your business interests without the need to give away a percentage. Debt finance may include products such as:
- issuing debt securities
- debentures
- hire purchase agreements
- loans (secured or unsecured), including various facilities such as senior, second lien, mezzanine and subordinated debt
- mortgages
- overdrafts
- financial due diligence
- negotiation and drafting of loan agreements, including advice on risks
- Acquisition and leveraged debt
- Asset-based lending
- Bilateral financing
- Construction finance
- Corporate debt restructuring
- Collateralised debt obligations (CDOs)
- Equity investment
- Management buy-outs
- Management buy-ins
- Project finance
- Participations
- Property finance
- Securitisation
- Security for tangible and intangible assets
- Syndicated loans
Who we help
Our clients include companies and corporations, major lenders and banks, mezzanine lenders, investors, and investment funds.
You can be assured that our team of financing solicitors will work with your team and representatives to understand your business objectives, and to represent your interests at each stage of the transaction, from concept to completion. Also, due to our experience in the finance and investment sector, we have a wealth of funding contacts who can assist with your debt financing requirements.
