Banking and Finance

How we work

In financing transactions the timetable is often more pressing than the law. The closing date is fixed, the credit-committee decision is fixed, and the conditions to payment depend on one another. We therefore run our matters against a timetable from the outset: the list of conditions precedent, which document will come from whom and when, and which item the critical path runs through, are settled at the first stage.

On multi-party transactions, teams from the firm’s different fields work on the same matter together. In an acquisition financing, company law, the competition filing, real estate and employment law are tied to the same timetable; running them separately delays the transaction. That is why we prefer an integrated team coordinated by a single responsible lawyer.

Our services

You may contact our banking and finance team about your financing transactions and regulatory-compliance processes.

• Credit transactions. Bilateral and club loans, syndicated loans, revolving and term facilities, putting security packages in place, drafting and negotiating the credit and security documents, and preparing legal opinions.
• Security law. Mortgages, commercial-enterprise pledges, pledges over movables, pledges of receivables and accounts, share pledges, suretyship and guarantee relationships; the creation, ranking and enforcement of security.
• Acquisition finance. Financing of share and asset transfers, aligning the transaction timetable with the credit process, and regulating the relationship between the shareholder and the lender.
• Project and infrastructure finance. Building financing structures for energy, production and infrastructure projects, ensuring consistency between the project contracts and the credit documents, sponsor commitments and direct agreements.
• Sustainable finance. Documentation of green loans and sustainability-linked loans, reflecting performance indicators in the contract, and managing events of breach.
• Restructuring and debt management. Amendment of credit agreements, resetting payment schedules, financial-restructuring processes, and conducting negotiations among creditors.
• Financial distress and liquidation. Concordat applications and their conduct, bankruptcy and liquidation, protecting the position of secured creditors in those processes, and debt recovery.
• Trade finance. Letters of credit, letters of guarantee, aval and acceptance credits, factoring and supply-chain finance structures, and disputes arising under the rules of international trade.
• Financial leasing and equipment finance. Financial-leasing transactions, and security structures in the financing of equipment and vehicle fleets.
• Regulatory compliance. Compliance with banking and financial-institutions legislation, authorisation and licensing, correspondence with regulators, and representation in supervision and sanction processes.
• Foreign exchange and capital movements. Compliance with the foreign-exchange regime on loans obtained from abroad, and notification obligations relating to capital movements.
• Compliance and preventive measures. Compliance programmes under the legislation on the prevention of laundering of proceeds of crime, customer-due-diligence policies, internal-control rules, and reporting and review processes.
• Technology and data. Compliance of data-processing activities at financial institutions, rules on cloud services and outsourcing, and advice on digital banking and payment services.
• Dispute resolution. Actions arising from credit and security relationships, enforcement proceedings and disputes of enforcement law, and arbitration.