Loan agreement lawyers

Whether you are lending or borrowing money, a well-drafted loan agreement is essential to protect your financial interests and prevent future disputes. Our experienced loan agreement solicitors provide clear, practical advice on all forms of private and commercial lending, from informal family loans to shareholder/director, inter-company loans, to complex third party lending.

We act for individuals, businesses, and investors across the UK, ensuring that every agreement is legally robust, transparent, and compliant with regulatory requirements.

Our Loan Agreement Services

• Specialists in drafting, reviewing and advising on loan agreements and security for loans

• Cost effective and competitive fees from specialist lawyers with experience acting for individuals, SMEs, investors and lenders on all types of loans and underlying scenarios.

Private Loan Agreements

See our detailed guide here.

Commercial Loan Agreements

We act for both lenders and borrowers in small and medium-sized business lending. Our expertise covers:

• Business-to-business loans and intercompany lending

• Bridging and short-term finance arrangements

• Secured and unsecured business loans

• Negotiating and reviewing lender facility agreements

We ensure that commercial lending documentation accurately reflects the deal terms, protects the parties’ commercial interests, and mitigates risks such as default or insolvency.

Shareholder and Director Loans

Loans between a company, its shareholders, and directors require careful legal and accounting consideration. We advise on:

• Director’s loans and compliance with the Companies Act 2006

• Shareholder funding arrangements, including interest and repayment provisions

• Loan capitalisation or conversion to equity (for example, convertible loans)

• Corporate governance and disclosure obligations

• Ensuring transactions are arms-length and properly documented to avoid tax or fiduciary issues.

Our Approach

With many loan arrangements the underlying drivers involve implications with specialist areas of law such as property law, family law, insolvency or corporate law. Our solicitors work collaboratively across departments whenever needed, to provide joined-up, multidisciplinary advice that reflects the broader financial and personal context of each client’s situation.

Every loan arrangement is different, and our solicitors take time to understand your objectives before drafting or reviewing any documentation.

We provide:

• Clear, plain-English agreements that reduce ambiguity

• Risk analysis and tailored advice on enforcement, default, and early repayment

• Support through negotiations, documentation, and registration where security is involved

Our goal is to ensure that your financial arrangements are legally enforceable, fair, and aligned with your long-term interests.

Get in Touch

Whether you are lending to a relative, investing in a business, or securing funds through a shareholder or director loan, professional advice at the outset can save significant cost and conflict later on.

Speak to one of our loan agreement solicitors today for a confidential discussion about your lending or borrowing arrangements.