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Business Legal Services
Debt Finance
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.
Experts in debt finance
Our team can assist you across all areas of investment and finance law, including:
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
Some of the typical legal services we provide around debt financing include:
- financial due diligence
- negotiation and drafting of loan agreements, including advice on risks
In addition, the phrase ‘debt finance’ can also encompass a range of other specialist financing transactions, which we also advise on, including:
- 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
For more information on the basics of debt finance and corporate loans, find advice on Raising Debt Finance and Corporate Loans: The Basics in the Finance & Investment area of our Advice Centre.
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.
Testimonials
What our clients say
Clear, simple language, friendly to deal with.
Lisa McLaren
Management Accountant,
The Support Group
Clear, simple language, friendly to deal with.
Lisa McLaren
Management Accountant,
The Support Group
Why choose our debt finance solicitors?
We’re a modern law firm with a difference. Our innovative remote operating model means that you can access expert City-grade legal advice from partner-level solicitors at a fraction of the cost of traditional law firms. Our solicitors have all been recruited from top 100 UK law firms or large international businesses. Find out more about our financial lawyers here:
Pricing and service plans
Legal support designed
to fit your business needs
Our three transparent service plans are designed to give you the widest possible access to high-quality legal advice, whatever the size and nature of your business:
Engage
Flexible access to senior solicitors at highly competitive rates
An alternative to our subscription plans, offering access to full service legal expertise on a project-by-project basis.
Enable
Purpose built legal support for start-ups and smaller businesses
Monthly subscription plan for £219 per month, with £149 monthly credit and access to all legal services at 50% discount on our Standard Rates.
Extend
Comprehensive legal partnership for established businesses
Fully account managed and scalable annual subscription plan with support from a curated team of partners and senior solicitors, with up to 36% discount on our Standard Rates.