Secured Lending

Our highly regarded commercial property team provide a comprehensive and efficient service to both commercial lenders and borrowers.

It is of paramount importance that businesses have in place the most useful financial support possible, especially during times of uncertainty.

Every secured lender will require a legal charge over the property or properties you put forward as security. This secures all sums owed to a lender, both at the time the charge is granted and at any point up until the charge is released.

As well as a legal charge, it is becoming increasingly common for lenders to require a debenture. This is to ensure security over the assets of the business.

If the business is a limited company, you may also need to provide personal guarantees.

It is important to seek advice at an early stage to ensure what you are being offered is reasonable. We ensure that all parties involved understand what they are signing up to.

When acting for the lender, we report to them on the title to the property and carry out the due diligence they require. We also check the lender’s valuation report.

When acting for the borrower, we will report the terms of the security granted and negotiate between the borrower, lender and any brokers involved. We will ensure that no more security than is necessary is granted and that personal guarantees are limited to specific sums to minimise risk.

Our reliable and efficient commercial property team understand that every secured lending situation is different and tailor their advice to the business objectives.

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Our specialist Banking and Finance team bring together expertise from acting for both lender and borrower clients involved in a wide range of transactions. Now and then, most businesses need an injection of capital.

Commercial Property Testimonials

I just wanted to let you know how impressed my wife and I have been with Emily’s work on our recent purchase of some garden land.  I have acted as a chartered surveyor and arbitrator in commercial property for over 40 years and was highly impressed by her great ability, impeccable communication and proactive approach at all times.  She is a credit to your firm and I will always ask her to handle our property matters going forward.
Mr Router, BSc(Hons) DipArb FRICS FCIArb.

Prompt and professional service. Always on contactable to cover all technical queries. Howard’s thorough approach made the process comfortable and put our minds at rest to concentrate on running our business. Would definitely recommend
Mr Clements

We have been working with Howard Bailey for 3+ years. He is outstanding. Great listener. A real asset to our business together with his team of associates so much so that we feel he is a member of our team.
Legal 500, 2022