debt financing

Debt financing

Our approach

We combine a focus on minimizing legal risks with the development of favorable financing terms for both entrepreneurs and financial institutions.

For whom?

We provide legal advisory in debt financing – both for companies and capital groups undertaking investments, and for financing institutions.

Obtaining or granting financing is only the beginning of the journey to success – it is the proper structure of debt financing that enables safe and sustainable business growth.
Filip MroczkowskiPartner, Legal Counsel

Benefits

We accompany clients through the entire financing process - from choosing the best model, to streamlining the paperwork, to negotiating terms that benefit the business.

A strategy tailored to the company

We support clients in obtaining funds and conduct analyses that help select the appropriate financing model and collateral structure.

Efficient acquisition of financing

We optimize processes and documentation to accelerate decisions by financial institutions and enable entrepreneurs to launch investments smoothly.

Favorable financing terms

As part of our legal advisory in debt financing, we draft and negotiate agreements to ensure the best possible financial support conditions for our clients.

Services

We provide comprehensive legal and tax support in the area of debt financing, both for institutions granting support and for entrepreneurs seeking it.

Loan and ancillary documentation

We draft and negotiate loan and credit documentation, particularly in accordance with Loan Market Association (LMA) standards and internal standards of major Polish banks. We also prepare ancillary documentation, including documents related to establishing collateral for proper performance of loan and credit agreements.

Financing acquisition – financial models

We assist entrepreneurs in obtaining investment loans, VAT loans, and refinancing loans. Additionally, we support companies in securing loans for real estate purchases, development projects, working capital financing, and acquisition of shares or stocks.

We also help clients create financial models, business plans, and feasibility studies for their projects.

Due diligence

We conduct legal, tax, and financial due diligence of companies using financing and of real estate involved in the financing.

Debt financing transaction support

Regardless of transaction structuring, documentation drafting, and negotiation, we guide parties through the process of launching and managing financing.

We support the fulfillment or verification of conditions precedent and subsequent, and provide comprehensive assistance until the end of the financing period.

Collateral for receivables

We provide legal and tax support in securing receivables through the preparation of pledge agreements, guarantees, sureties, and subordination agreements. We also assist in establishing security assignments, mortgages, and intercreditor agreements in consortium arrangements.

Sale and leaseback transactions, leasing agreements, bond issuance

We also support financial projects such as leasing (in various forms) and bond issuance. Our advisory covers both legal and tax aspects.

Completed projects

Thanks to our extensive experience, we provide comprehensive advisory to all parties involved in debt financing transactions.

We advised a consortium of a bank and the Industrial Development Agency in providing financing to a company from an international group

We advised on the implementation of PLN 80 million in financing. As part of our services, we provided comprehensive support to a consortium of a Polish bank and the Industrial Development Agency in granting support to a company that is part of an international group operating in the chemical industry. The PLN 80 million in financing was allocated to the implementation of an innovative investment.

We supported a bank in granting a construction-investment loan to a company in the development sector

We advised the bank in connection with granting a construction and investment loan to a real estate development company. The loan amounted to PLN 83 million and was intended for the construction of a residential and commercial complex in the Lower Silesia Province. Our team also advised the bank on reviewing the borrower's documentation related to the construction process, including construction contracts and preliminary agreements for the sale of premises.

We advised a bank on providing support for loan refinancing, property acquisition and modernization

We provided comprehensive legal advisory to a bank in connection with granting loans totaling approximately EUR 40 million to a company in the hospitality sector. The financing was intended for:

refinancing existing loans,
acquisition and modernization of real estate,
financing an intra-group loan.

Additionally, the transaction involved granting the company a guarantee line. Our advisory included, among other things, drafting and negotiating financial documentation in Loan Market Association (LMA) standard, as well as translating the documentation into English. We also conducted verification of the conditions precedent for loan disbursement and performed due diligence of the property.

We negotiated a PLN 40 million credit agreement for a client in the food industry

Our advisory for the client included negotiating:

a PLN 40 million loan agreement for refinancing a loan used to build a production facility in Lower Silesia,
a revolving credit agreement in a current account,
a package of security documents.

We also supported the client in fulfilling the conditions precedent and subsequent for both loans.

We supported one of the leading banks in Poland in granting an investment loan of PLN 18 million

We advised the bank in connection with granting an investment loan to a company in the real estate development sector. The loan was intended to co-finance the construction of a residential-commercial building in Wrocław.

Our advisory included conducting due diligence of the property and the borrower, as well as drafting and negotiating financial documentation. We also issued a legal opinion on the validity and enforceability of the financial documents and the fulfillment of the loan disbursement conditions.

We supported a company in the automotive sector in securing financing for the acquisition of 100% of shares in a German company

We provided comprehensive legal advisory to a company specializing in automotive manufacturing in connection with obtaining an acquisition loan for the purchase of 100% of shares in a German GmbH.

Our support included negotiating the loan agreement and security documents, as well as assisting with the fulfillment of conditions precedent and subsequent for loan disbursement. We also provided legal support related to the simultaneous public offering of shares on the Warsaw Stock Exchange (GPW), issued to obtain combined financing for the acquisition.

TEAM