Expert Guidance in Loan Filings and Debt Structuring
One Legal Sqaure Ltd provides end-to-end support for debt financing transactions, from structuring sophisticated loan facilities to ensuring proper filing and perfection of security interests. Our attorneys assist lenders, borrowers, and financial institutions in navigating the complexities of debt instruments while maintaining compliance with applicable laws and maximizing enforceability.
Filing Loan Transactions
Proper registration and filing are critical to perfecting a lender’s security interest and ensuring priority. One Legal Sqaure Ltd handles all aspects of filing, including:
- Registration of Loan and Security Documents with Relevant Authorities – Filing with appropriate registries (e.g., UCC filings, land registries, company registries) to record mortgages, charges, and security agreements.
- Filing Charges, Mortgages, or Liens to Perfect the Lender’s Security – Ensuring timely perfection under UCC Article 9 or equivalent state/international laws 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 personalized guidance.
For more information on how we can assist with filing requirements or debt financing transactions, reach out to us here.