Should I give a personal guarantee?

Sometimes it is unavoidable, but the amount, duration and release triggers are all negotiable.

What happens if we breach a covenant?

A breach usually gives the lender rights to demand repayment, so early renegotiation is preferable.

Berkshire · England

We are raising debt or asset finance - Newbury

Firms in Newbury, Berkshire that work on raising finance matters for businesses, with one firm currently listed. Every firm shown is regulated by the Solicitors Regulation Authority.

Search all 1 firms Raising finance nationally

Firms in Newbury

decoded.legal Limited

SRA: Authorised

SRA number 626329 · Recognised body

Offices: Newbury
Sectors: Not supplied

Banking and finance
Commercial contracts
Corporate law
Data protection and privacy

Regulatory data last updated: 4 August 2026

View firm

What this usually involves

Facility documents are heavily lender-favoured. Negotiating covenants and events of default is where borrower advice adds most value.

Reviewing facility terms, covenants and fees
Debentures, guarantees and intercreditor issues
Companies House registration of charges

Common questions

Should I give a personal guarantee?: Sometimes it is unavoidable, but the amount, duration and release triggers are all negotiable.
What happens if we breach a covenant?: A breach usually gives the lender rights to demand repayment, so early renegotiation is preferable.