Banking & Finance Law
Structuring Complex Financing with Precision
Structuring Complex Financing with Precision
Financial transactions form the backbone of corporate growth and infrastructure development. Probitas Law Associates advises borrowers, lenders, and financial institutions on complex financing arrangements, ensuring documentation precision, regulatory compliance, and effective security structures.
Our banking and finance practice spans the full spectrum of debt financing—term loans, working capital facilities, project finance, syndicated lending, debt capital markets instruments, and specialized financing structures. We represent both borrowers seeking optimal financing terms and lenders protecting their interests through robust documentation.
How Can We Help?
Probitas Law Associates 10th Floor, Mittal Tower Nariman Point, Mumbai 400021 Maharashtra, India
Loan documentation requires meticulous attention. We draft and negotiate facility agreements, term loan documents, working capital arrangements, overdraft facilities, and revolving credit structures. Our documentation covers critical provisions— conditions precedent, financial covenants, representations and warranties, events of default, cross-default clauses, and mandatory prepayment terms.
Security creation is fundamental to secured lending. Our expertise includes drafting and registering charges over immovable property (mortgages), movable assets (hypothecation), book debts (assignment), shares (pledge), and intellectual property. We ensure CERSAI registration, perfection of security interests, and priority protection.
External Commercial Borrowings (ECB) enable Indian companies to access international capital markets. We advise on RBI’s ECB framework, structure compliant ECB transactions, handle RBI reporting, and draft loan agreements compliant with both Indian and foreign law requirements.
Non-Convertible Debentures (NCDs) offer flexible debt capital raising. Our practice covers private placements and public issues of NCDs, trustee agreements, debenture trust deeds, and SEBI compliance for listed debt securities. For Non-Banking Financial Companies (NBFCs), we provide comprehensive regulatory advisory—RBI registration, compliance frameworks, asset-liability management guidelines, and regulatory reporting.
Finance Law Services:
- Loan documentation and facility agreements
- Security documentation and CERSAI registration
- External Commercial Borrowings (ECB)
- Non-Convertible Debenture issuances
- Syndicated loan arrangements
- NBFC regulatory compliance