Capital is the lifeblood of commerce. The ability to access, deploy, and manage financing effectively is fundamental to every stage of a business’s lifecycle, from a startup's first seed loan to a corporation's syndicated credit facility. The relationship between lenders and borrowers, however, is governed by a complex architecture of legal agreements, regulatory requirements, and risk allocation. Navigating this landscape requires more than financial acumen; it demands expert legal counsel that can protect interests, facilitate transactions, and resolve disputes. Our firm provides a comprehensive suite of legal services in banking and finance, acting as a trusted advisor to lenders, borrowers, and investors across the entire spectrum of financial transactions.
A loan agreement is far more than a promise to repay; it is a complex legal instrument that defines the entire relationship between a borrower and a lender. Our expertise covers the entire lifecycle of a financing deal, from inception to repayment or resolution. We are architects of clear and comprehensive financing documentation, meticulously drafting and negotiating all core agreements, including term loan agreements, revolving credit facility agreements, and syndicated loan documents. Our focus is to ensure the commercial terms are precisely reflected in the legal text and that our client's interests are protected at every turn.
For secured lending, the quality of the security package is paramount. We are experts in structuring robust collateral arrangements. This includes advising on and drafting the full suite of security documents required under Georgian law, such as mortgages over real estate, pledges over movable assets and bank accounts, and corporate or personal guarantees. We manage the entire process of perfecting these security interests with the Public Registry, ensuring they are properly registered and legally enforceable against any third-party claims.
Not all loans perform as planned. When a borrower faces financial distress, we provide crucial legal support. For borrowers, we lead negotiations for loan workouts and debt restructuring. For lenders facing a non-performing loan, we provide a clear and strategic plan for enforcement action, including enforcing guarantees, foreclosing on collateral, and pursuing all available legal remedies to ensure the maximum possible recovery of the outstanding debt.