Filing & Debt Financing

Expert Guidance in Loan Filings and Debt Structuring

Our Debt Finance team at One Legal Square is one of the most active and experienced in the region, leveraging deep market knowledge to secure the most favourable terms for our clients across a broad spectrum of financing transactions, with deal sizes ranging from £10 million to over £1 billion.

Consistently recognised for our strong borrower-side representation, we are a trusted partner for private equity sponsors and their portfolio companies, leading public and private companies, and high-growth start-ups. We also regularly advise on the lender side, working with domestic and international banks, insurance companies, finance providers, mezzanine lenders, and other institutional investors.

We collaborate closely with our specialist Private Equity, Technology, Fintech, Capital Markets, and Restructuring teams to structure, negotiate, and document both domestic and cross-border debt financing arrangements. Our services include secured and unsecured senior debt, mezzanine and subordinated facilities, acquisition financing, working capital lines, and loan workouts and restructurings.

Whether you are a borrower seeking flexible financing solutions or a lender requiring robust documentation and security perfection, our team delivers practical, commercially focused advice to achieve successful outcomes.

Filing Loan Transactions

Proper registration and filing are critical to perfecting a lender’s security interest and ensuring priority. One Legal Square Ltd handles all aspects of filing, including:

• Registration of Loan and Security Documents with Relevant Authorities – Filing with appropriate registries (e.g., Companies House, Land Registry, UCC equivalents) to record mortgages, charges, and security agreements.
• Filing Charges, Mortgages, or Liens to Perfect the Lender’s Security – Ensuring timely perfection under applicable law to establish priority over other creditors.
• Payment of Stamp Duty, Registration Fees, and Statutory Taxes – Calculating, remitting, and documenting all required duties and fees to avoid penalties or invalidation of documents.
• Ensuring Filings Are Done Within Legal Time Limits – Monitoring statutory deadlines to prevent lapses in perfection or enforceability.
• Obtaining Proof of Registration for Lender Records – Securing certified copies, filing acknowledgments, and search reports for the lender’s due diligence and enforcement files.

Debt Financing (Loans)

We advise on the structuring, documentation, and ongoing administration of various debt instruments, including:

• Structuring Loans as Debt Instruments – Designing term loans, revolving credit facilities, syndicated loans, project finance, bonds and debentures, and convertible debt tailored to client objectives.
• Defining Repayment Terms, Interest, Covenants, and Default Provisions – Drafting clear, enforceable schedules and provisions to protect lender rights while providing borrower flexibility.
• Securing Loans with Collateral or Guarantees Where Required – Structuring security packages, intercreditor agreements, and guaranties to maximize recovery options.
• Compliance with Financial Regulations and Disclosure Requirements – Ensuring adherence to banking, securities, and consumer protection laws throughout the transaction lifecycle.
• Ongoing Monitoring of Borrower Obligations and Covenants – Assisting with covenant compliance tracking, waiver/amendment negotiations, and default management.

Common debt products we structure include term loans, revolving credit facilities, syndicated loans, project finance, bonds and debentures, and convertible debt.

If you are seeking debt financing, you can click here to fill out a loan application or contact us for personalised guidance.

For more information on how we can assist you with your specific legal matters or questions, reach out to us here.