Banking and Finance

Banking and Finance

Business finance is a key part of expansion and growth for most businesses and, no matter what the economic climate, most businesses will need financial backing at some stage. At Tinsdills, we have a dedicated team of business law solicitors with the experience and expertise to advise both lenders and borrowers on a variety of security and banking documents.

Expert Financial Advice

Most businesses will require financial involvement at some stage, whether for expansion or growth or when the business is operating at a less-than-desired level.

Our expert business law solicitors regularly act for both lenders and borrowers on a diverse range of financial matters. We have strong relationships with finance brokers and we advise both lenders and financial organisations as well as corporate borrowers (ranging from individuals in business to SMEs and larger corporations). We can provide you and your organisation with advice on a variety of security documents, facility and loan agreements, and other ancillary documents necessary for the arrangement of finance. Areas we cover include:

  • asset-based finance;
  • invoice financing;
  • corporate and private banking;
  • farming finance;
  • project finance;
  • real estate finance; and
  • restructuring and insolvency.

At Tinsdills, we provide bespoke advice and agreements, tailored to the needs of your business. We will take time to understand your business and its financial requirements, to ensure that your transactions run as smoothly and as cost-efficiently as possible.

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    Whilst you may not always need a written loan agreement, it is strongly advised that such an agreement is entered into in contemplation of any loan being made as it will document the key terms of the loan, such as payment terms, drawdown period, any interest provisions and enforceability of any security. The length and nature of the loan agreement itself will depend on (amongst other things) the size of the loan being given, the basis on which the loan is being made and whether any security is being given.

    It is quite common for intragroup company loans to be made as part of any group finance structure and these are often dealt with by way of accounting entries. On that basis, it is not always necessary for cash to physically transfer between the different entities on the loan being made. However, the directors should be mindful that any loan will still be potentially repayable, even if no cash was physically received, and this could cause issues if the lending group company later becomes insolvent. There may also be tax implications relating to the loan and how it is documented.

    The amount and nature of any security required will depend on a number of factors, including the size of the loan and length of the term over which it is given, the lender’s appetite for risk and the current economic climate. Examples of types of security lenders may require include a debenture over the business and assets of a company; a legal mortgage over property; a fixed charge over assets and intellectual property; a floating charge over bank accounts and stock; personal guarantees from directors of the company; parent company or cross guarantees and indemnities from group companies (guaranteeing the obligations of each other); and/or pledges or liens.

    Caroline, Becky and the team acted on our behalf in the management buyout of our shares in our commercial refrigeration and ware washing goods distribution company. It was a complicated transaction under which there were various parties including finance, numerous lawyers, accountants and tax advisers. The team negotiated a fair deal for us and were supportive, explained complex matters in simple jargon-free language and we felt confident in their ability in acting on our behalf. We would like to thank the team at Tinsdills for their hard work, dedication, help and patience throughout the transaction.”

    What Our Customers Say

    We’ve helped many happy clients with Corporate and Commercial Law cases. Read our testimonials below:

    “With all the varied aspects of our business, Caroline Gray was very patient and accommodating to our needs and changes and even more changes. Thank you very much.”

    “Having dealt with Tinsdills a few years ago (from the opposite side of the table), Caroline and her team were my first choice when embarking on the next chapter of our business growth. A complicated share/company buyout; the team were always on hand to offer words of advice, illustrating that they ‘had my back’ on every occasion. I would not hesitate to recommend their proposition to any business looking for a first-class legal team, able to present information in a logical and understandable fashion. Thank you to Caroline, Rebekah and the Team.”

    Meet Our Specialist Corporate Law Team

    Contact Us To Discuss Corporate Law

    If you have questions regarding Corporate Law, or wish to discuss your case with our team, we’d be happy to hear from you. Contact your nearest branch today. 

    Our phone lines are open Mon to Fri: 9:00 am – 5:00 pm.

    Tinsdills Solicitors – managing all aspects of Corporate Law across Staffordshire, Cheshire, Derbyshire and Shropshire.

    Contact us today or visit a
    local branch

    Hanley: 01782 262031

    Newcastle: 01782 612311

    Sandbach: 01270 761111

    Leek: 01538 399332

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