Borrowers, directors and occupiers asked to sign loan documents
Loan agreement solicitor — independent legal advice
Independent advice on facility letters, loan terms and the security behind them, with the lender's certificate completed to deadline.
Loan documents are written for the lender. The commercial headline — amount, rate, term — is easy to find; the provisions that decide what happens when something goes wrong are not. Events of default, cross-default, cost recovery and the lender's enforcement rights are where the risk actually sits.
We advise you independently on what the agreement means before you sign, and complete the certificate your lender requires.
Who this service is for
- Company directors signing a facility letter or bridging loan
- Property investors borrowing against a property or portfolio
- Borrowers whose lender requires a certificate of independent advice
- Individuals lending or borrowing privately who want the document explained
What the advice covers
- Core commercial terms
- Amount, rate, fees, term, repayment profile and what redemption actually costs.
- Conditions and covenants
- Conditions precedent, financial and information covenants and the practical burden of complying.
- Events of default
- What triggers default, whether there is any cure period and what the lender can then do.
- Security and enforcement
- The charge or debenture supporting the loan, and how enforcement would affect the property or business.
- Related documents
- Guarantees, occupier consents, subordination and intercreditor arrangements signed alongside the loan.
- The certificate
- Completion of the lender's prescribed certificate in the form required, where we properly can.
How Resolve can help
- Confirm at the enquiry stage whether the deadline is achievable
- Identify terms worth negotiating before signature, while you still have leverage
- Explain, in plain terms, what default would mean for you and any secured property
- Provide the advice privately to you alone, independent of borrower and lender
- Return the certificate promptly so completion is not delayed
How the appointment runs
1. Send the pack
Draft loan documents, the lender's certificate and the completion deadline.
2. Identification and checks
Identity verification and conflict checks completed before the appointment.
3. Private advice meeting
A video or in-person meeting with you alone, covering terms, risk and consequences.
4. Certificate and written confirmation
Certificate signed and returned, with a written note of the advice given.
Why instruct us
- Independent of the lender and the borrower on the transaction
- Plain-English explanation of the clauses that decide enforcement
- Litigation background means the consequences are described realistically
- Appointments by video across England & Wales, or in person in Watford
Where we act
We advise on loan documents governed by the law of England & Wales, for clients throughout the jurisdiction including London and Hertfordshire.
Frequently asked questions
Can you advise on any lender's loan documents?
We advise on loan agreements, facility letters and related security documents governed by the law of England & Wales, and we complete the lender's standard certificate where its requirements are compatible with our professional obligations.
Send the lender's pack with your enquiry so we can confirm before you book an appointment.
How quickly can an independent legal advice appointment be arranged?
We normally need the draft documents, the lender's certificate and your identification in advance, and the appointment itself is usually a single meeting by video or in person.
Send the lender's deadline with your enquiry so we can tell you honestly whether it can be met.
Why does the lender insist the advice is independent?
To reduce the risk that the document is later set aside on the basis that you did not understand it or were unduly influenced. That protection only works if the solicitor advising you is genuinely independent of the borrower and the lender.
Start Your Enquiry
Tell us briefly what has happened and what you need. Email and telephone are both required so we can respond in the way that suits you.