Business & Corporate
Banking & Finance
Advice on loans, credit facilities, security and other financing arrangements.
Overview
What this involves
Financing terms affect how a business can operate. Covenants limit what a borrower may do, security ties up assets, and guarantees can reach the business's principals personally. Those terms are easier to negotiate before signing than to live with afterwards.
KMC Justice advises borrowers and lenders on commercial finance arrangements.
How We Assist
How KMC Justice Can Assist
We explain what each document requires of you, negotiate the terms that matter and prepare the security and closing paperwork. If a loan runs into difficulty, we advise on the options for restructuring or enforcement.
Scope
Matters We Handle
- Commercial loans and credit facilities
- Security agreements and guarantees
- Private lending and shareholder loans
- Equipment and asset-based financing
- Loan modifications and workouts
- Enforcement of loans and security
FAQs
Frequently asked questions
Can you review a loan agreement before I sign?
Yes. We explain the obligations and risks and negotiate changes where it makes sense to.
Do you represent lenders as well as borrowers?
We act for both, in different matters. We check for conflicts of interest before accepting any engagement.
What if I cannot meet a loan payment?
Speak to a lawyer early. Options such as modification or restructuring are usually more available before a default than after.
This page provides general information, not legal advice. Every situation is different. Contact us to discuss yours.
Request a Consultation
Discuss your banking and finance matter with us.
Tell us briefly about your situation. We will review your inquiry and respond as appropriate.