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Commercial Property

Secured Lending Solicitors

Whether you are a commercial lender seeking to safeguard your investments or a borrower looking to secure the necessary capital, the world of secured lending can be intricate and daunting. Our Secured Lending Solicitors understand the unique challenges that both lenders and borrowers face in today's dynamic business landscape. If you are a business owner eager to expand or a financial institution assessing the risks of a significant loan, we know that the decisions you make in the realm of secured lending can shape the future of your enterprise. 

Our Commercial Property Solicitors specialise in providing clarity amidst complexity, securing commercial lending with a focus on your goals and protection. 

Secured Lending Legal Advice

With a wealth of experience in collateral security, including debentures and personal guarantees, we specialise in securing commercial lending against a diverse range of assets, providing a comprehensive and efficient service tailored to the unique needs of both commercial lenders and borrowers. We go beyond the conventional, offering insight and legal support in securing commercial lending across various industries.

Collateral for secured lending can vary widely. Common assets include real estate, vehicles, business inventory, and accounts receivable. The knowledge of our Secured Lending Lawyers covers a wide spectrum of assets, including but not limited to:

  • Public Houses
  • Restaurants
  • Bed & Breakfasts (B&Bs)
  • Shops
  • Offices
  • Commercial and Residential Developments

Our Secured Lending Expertise

Our proven track record is a testament to our commitment to excellence. Here are some recent projects that highlight our prowess in the realm of secured lending:

  1. Major Swedish Bank Office Security: Representing a major Swedish bank, we successfully facilitated the process of taking security over an office situated in a bustling business park. Our meticulous approach ensured a seamless transaction, protecting the interests of our esteemed client.

  2. UK Bank Agricultural Land Security: Acting on behalf of a prominent UK bank, our team secured 236 acres of agricultural land. Through thorough legal diligence, we ensured that the lender's interests were safeguarded, paving the way for a secure lending arrangement.

  3. Substantial Property Portfolio for Independent School: Advocating on behalf of a UK bank, we played a pivotal role in securing a substantial property portfolio owned by an independent school. Our expertise in handling complex transactions guaranteed the protection of the lender's assets.

Debentures and Personal Guarantees in Secured Lending

Debentures

In the realm of secured lending, a debenture is a critical legal document that holds significant importance for both lenders and borrowers as it acknowledges a debt and typically contains terms and conditions of the loan. A debenture often grants the lender a charge over the borrower's assets, acting as a security for lenders, offering them specific rights over the assets of the borrowing company. These assets may include property, machinery, intellectual property, or any other valuable items owned by the business. This charge serves as a safeguard for the lender, providing a source of repayment in case of default by the borrower.

Our comprehensive approach involves conducting thorough due diligence to assess the assets being charged and crafting debenture agreements that offer protection and clarity.  Our Secured Lending Solicitors are well-versed in the intricate nature of debentures and their crucial role in secured lending transactions. We can guide you through the process of creating and understanding debentures, ensuring that the terms are clear, enforceable, and aligned with the unique needs of each party involved.

Personal Guarantees

In secured lending, personal guarantees play a pivotal role in fortifying the lender's position and mitigating risks. A personal guarantee is a commitment by an individual, often a business owner or executive, to take personal responsibility for the repayment of a loan in the event that the business cannot fulfil its obligations. This additional layer of assurance provides lenders with greater confidence and security, enhancing the likelihood of a successful lending arrangement.  

Our approach involves thorough due diligence to assess the financial capacity and creditworthiness of the individuals providing personal guarantees. We take the time to ensure that you fully understand the implications before entering into any agreement, structuring personal guarantees in a manner that aligns with your business goals while safeguarding your personal assets. 

Contact our Secured Lending Solicitors

Whether you are a commercial lender or borrower, we are ready to guide you through the intricacies of collateral security, debentures, and personal guarantees. To discuss your secured loan plans today contact a member of our Commercial Property team from one of our offices in Andover, Romsey, Salisbury, Totton and Witney. You can use the Contact Form, email info@parkerbullen.com or call your local office: