Commercial Loans

Secured lending expertise

Whether the loan is being made within a corporate group, between connected companies, or to or from a special purpose vehicle, we work to ensure that the security is properly drafted, enforceable, and aligned with the commercial objectives of the transaction.

• Drafting and negotiating loan agreements for secured corporate lending
• Advising on and preparing legal charges and debentures over freehold and leasehold property
• Structuring intra-group and shareholder loans secured on real estate
• Advising on priority of security, subordination, and inter-creditor arrangements
• Coordinating Land Registry registrations, Companies House filings, and perfection of security
• Reviewing existing security as part of refinancing, restructuring, or asset transfers
• Advising on director duties, corporate authority, and solvency considerations

A commercially focused approach

We understand that loans between companies are often driven by tax planning, asset protection, cash-flow management, or investment strategy. Our advice is practical and commercially grounded, ensuring that the legal structure supports the wider business purpose while mitigating risk.

We work closely with your independent accountants, your tax advisers, and your lenders where required, and regularly act on transactions involving high-value residential, mixed-use, and commercial property portfolios.

Tailored advice for complex structures

Our team is experienced in dealing with:

• UK and cross-border corporate structures
• Property-holding SPVs
• Connected-party transactions
• Loans involving directors, shareholders, or family investment vehicles

We take the time to understand the structure and the underlying property, ensuring the documentation is robust, compliant, and future-proofed.

Property matters