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Lending, Borrowing, and Security

Ensure your lending transactions are seamless and secure

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Lending and borrowing are key elements of both business and personal finance, and having the right legal support is crucial to ensuring smooth and successful transactions. Whether you’re a lender aiming to protect your investment or a borrower looking for the best deal, Mayo Wynne Baxter is here to deliver clear, practical advice every step of the way.

We work with both lenders and borrowers, offering tailored advice on everything from structuring loan agreements to preparing security documentation and navigating asset-backed lending. Our goal is simple: to protect your interests and help you achieve your financial objectives, with clear guidance.

We also understand that timing is crucial. That’s why we focus on delivering prompt, practical solutions. We work closely with you to ensure your financing arrangements are handled efficiently, whether it’s a simple short-term loan or a more complex financing involving multiple parties.

We pride ourselves on providing professional, friendly legal support that makes a real difference. Whatever your lending or borrowing needs, we’re here to guide you with straightforward, effective advice that helps you make informed decisions.

How our expert team can help you

Loan agreements

We draft, review and negotiate loan documentation to ensure it meets with your goals ensuring your interests are safeguarded. Whether it’s a simple loan agreement or a more complex financing arrangement, we work with you to create clear, enforceable terms that minimise risk and offer long-term security.

Debt recovery and enforcement

We help lenders enforce their security and recover outstanding debts in a timely manner.  Whether through formal legal action or negotiated settlement, our team works to protect your interests, ensuring you can recover what’s owed while minimising disruption to your business.

Security documentation

We offer expert advice on creating robust security, ensuring the money you’ve lent is properly protected.  From charges over assets to guarantees and other forms of collateral, we help you put in place the necessary security to give you peace of mind and secure your financial position. If you are a borrower, we can advise you on the implications of the security and the effects it will have.

Refinancing and restructuring

We assist both lenders and borrowers with refinancing and restructuring existing loan facilities to respond to evolving business needs.  Whether you’re looking to secure more favourable terms or address financial challenges, we provide solutions designed to optimise your financial arrangements.

Real Estate Finance

Our team provides tailored advice on financing secured against real estate portfolios, including commercial, residential, and mixed-use properties. We support both lenders and borrowers with clear, practical guidance, ensuring that your property transactions are structured to meet your needs and comply with all legal requirements.

Personal Guarantees

We regularly provided independent legal advise on personal guarantees. Where an individual is providing a personal guarantee in respect of the borrowing commitments of a company or someone else, it is market practice for the lender to require that the individual receives independent legal advice from a solicitor before signing the guarantee. We are familiar with the procedure and can work with you to ensure the process runs smoothly

Our other lending, borrowing, and security services

Mergers and Acquisitions Glossary of Terms – Company Law Management Buyouts

Why work with Mayo Wynne Baxter

Our business & commercial solicitors offer tailored legal advice for businesses of all sizes. Our client-focused approach and proven track record make us a reliable partner for businesses seeking legal support.

  • Deep business understanding: We know how businesses operate
  • Comprehensive services: From contracts to property, we cover it all
  • Practical solutions: We offer clear and effective legal advice to complex legal issues
  • Proven track record: Clients return to us for our expertise, don't take our word for it read our reviews!
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Our Memberships and Awards

Our specialist team are here to help you and guide you through the legal process. We pride ourselves on providing exceptional service from outstanding people.

If you’d like to speak to a member of our team, please fill out the enquiry form. We will aim to reply to your query within 4 hours.

 

 

Need to speak to someone sooner?

Call us: 0800 84 84 101

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    By submitting your message, phone number and email address, you are permitting us to contact you by these means in response to your enquiry. You also acknowledge that the information you submit will be used as detailed in our privacy policy.

    What to expect when you contact us

    1. Once you have completed the contact form or called us, our client service team will call you back, to ask a few questions including your preferred method of contact. This information is then passed directly to the Legal Adviser who will be working for you. Once you are happy to proceed we will gather all the relevant information and your file will be opened almost immediately so we can start work.
    2. A member of the Client Service Team will keep in contact with you on a regular basis throughout your transaction, to make sure you and them are satisfied with the progress of your matter. There is no additional charge to you for their involvement.
    3. We are here to assist you and ensure everything proceeds as smoothly as possible. You will have direct contact details for the client service team, who you can contact at any point during your matter.

    Our aim is to make the process as easy and uncomplicated as possible for you.