We are raising debt or asset finance - Richmond

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

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.

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