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.

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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:

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.


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 plans

Legal support designed
to fit your business needs

Our three transparent pricing packages are designed to give you the widest possible access to high-quality legal advice, whatever the size and nature of your business:


Straightforward access to senior solicitors at a competitive rate.

An affordable solution for businesses needing one-off legal support. Receive ‘City’ partner-level expertise at a fraction of ‘City’ prices.


Providing you with priority access to a dedicated panel of highly experienced solicitors.

Fully account managed quarterly subscription service for businesses with more complex legal needs.

What next?

Please leave us your details and we’ll contact you to discuss your situation and legal requirements. There’s no charge for your initial consultation, and no-obligation to instruct us. We aim to respond to all messages received within 24 hours.

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Our offices

A national law firm

A national law firm

Our commercial lawyers are based in or close to major cities across the UK, providing expert legal advice to clients both locally and nationally.

We mainly work remotely, so we can work with you wherever you are. But we can arrange face-to-face meeting at our offices or a location of your choosing.

Head Office

Floor 5, Cavendish House, 39-41 Waterloo Street, Birmingham, B2 5PP
Regional Spaces

Stirling House, Cambridge Innovation Park, Denny End Road, Waterbeach, Cambridge, CB25 9QE
13th Floor, Piccadilly Plaza, Manchester, M1 4BT
10 Fitzroy Square, London, W1T 5HP
Harwell Innovation Centre, 173 Curie Avenue, Harwell, Oxfordshire, OX11 0QG
1st Floor, Dearing House, 1 Young St, Sheffield, S1 4UP
White Building Studios, 1-4 Cumberland Place, Southampton, SO15 2NP
A national law firm

To access legal support from just £145 per hour arrange your no-obligation initial consultation to discuss your business requirements.

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