Lending, Borrowing and Security Legal Services
Navigate commercial lending with confidence through our expert legal guidance. From loan agreements to personal guarantees, our seasoned team serves both lenders and borrowers with comprehensive documentation and advisory services. With meticulous attention to market practices and regulatory requirements, we ensure your lending transactions are seamless, compliant, and secure.
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Comprehensive commercial lending solutions
We are experienced in acting for lenders and borrowers in lending arrangements and advising on associated documentation, including:
- Loan agreements/facility agreements;
- Debentures;
- Legal charges;
- Guarantees & indemnities (including independent legal advice on guarantees);
- Deeds of priority;
- Certificates, board minutes, and resolutions;
- Loan notes.
Our asset-based lending team is able to assist in recovering from defaulting borrowers.
Independent legal advice 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.
Certain steps are required to be followed in order to meet criteria required by law and the lender may also have their own individual requirements. The process includes us reviewing the guarantee and meeting the individual (either in person or, where acceptable to the lender, by video call) to provide the advice and then giving the lender specific confirmations concerning the advice given.
We are familiar with the procedure of advising on guarantees and can work with you to ensure the process runs smoothly.
How our Lending, Borrowing, and Security team can help you
Why choose Mayo Wynne Baxter's legal services
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!
Meet our team
Our other lending, borrowing, and security services
What to expect when you contact us
- 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.
- 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.
- 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.
Jo Ironside 
Jessica Partridge