Advice on Business Finance Documents

In short — Independent legal advice on finance documents such as legal charges, debentures, bridging loans and personal guarantees, so you understand the risks before signing.

Business finance documents — legal charges, debentures, bridging loans and personal guarantees — are often heavily weighted in favour of the lender and contain complex legal and financial obligations. Lenders frequently recommend or require borrowers and guarantors to take independent legal advice before signing, especially where personal guarantees or security over property are involved. Taking advice early helps you understand, and where possible negotiate, the terms.

We can help you understand:

• Your repayment obligations, default provisions and the lender’s enforcement rights
• The extent of any personal liability and the risks of secured borrowing — including a lender’s power to enforce security, appoint receivers or pursue guarantors personally
• Whether terms can be improved — flagging excessive default interest, unfair guarantee provisions, overly wide security and restrictive lender rights, and negotiating more balanced terms

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