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
- hire purchase agreements
- loans (secured or unsecured), including various facilities such as senior, second lien, mezzanine and subordinated debt
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
- Property finance
- Security for tangible and intangible assets
- Syndicated loans
Who we help: Borrowers, lenders, investors and more
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 banking and finance sector, we have a wealth of funding contacts who can assist with your debt financing requirements.
Why choose Harper James? Our debt finance experience
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:
Shubhu specialises in early-stage fund raisings, shareholder arrangements and M&A. Prior to joining Harper James she worked at Mills & Reeve and before that at Addleshaw Goddard and Slaughter and May.View profile
Abby Watson is a corporate solicitor, specialising in private equity investments, mergers & acquisitions, EMI share schemes, corporate finance and governance and more.View profile
Adam Kudryl is a Partner and Corporate & Commercial Solicitor at Harper James Solicitors, specialising in strategic investments, acquisitions and sales.View profile
Stephen is an experienced corporate lawyer, with a career including time at DLA Piper and Pinsent Masons. He specialises in mergers and acquisitions and private equity work.View profile
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.
Have legal peace of mind for £189 per month with additional support from £99 per hour.
A monthly subscription legal support package specifically designed for start-ups and smaller businesses.
For businesses requiring 60+ hours of support a year, with prices equivalent to £99 per hour.
Fully account managed quarterly subscription service for businesses with more complex legal needs.