Business Loans and Financing Help.

Reviewing and Preparing Finance Documents

We prepare and review key finance documentation to support a range of lending and borrowing arrangements, including:

• Loan agreements

• General security agreements (GSAs)

• Personal or director guarantees

• Subordination and intercreditor agreements

We make sure the documents are legally sound, clearly written, and aligned with your commercial objectives.

Finance Advice Aligned with Your Business

We work with businesses at all stages, from early growth to expansion and restructuring. Our advice is:

• Matched to your business structure and goals

• Based on your risk appetite and the expectations of lenders

• Designed to provide clarity while protecting your position

Whether you are dealing with a bank, private lender, or another party, we give you the clarity and leverage to negotiate confidently and protect your position.

Where We Work

Our commercial lawyers are based in Wellington and Lower Hutt, and we support businesses throughout New Zealand. We offer local expertise with a national reach, helping clients manage finance arrangements with confidence.

Questions We Often Get Asked About Business Loans & Financing

Do I need a lawyer for a general security agreement (GSA)?

Yes. A GSA gives the lender rights over your business assets if you default. It is important to understand the legal and commercial risks. We review and explain GSA terms to help protect your position and ensure the agreement supports your wider business strategy.

What types of finance documents do you review or prepare?

We assist with loan agreements, general security agreements, director or personal guarantees, and intercreditor or subordination deeds. This includes bank loans, private finance, and internal lending arrangements.

Can you advise on non-bank or private lending arrangements?

Yes. We provide legal advice for lending arrangements with private investors, related parties, or nonbank lenders. These often require tailored documentation and extra care around risk, enforceability, and terms.

What should I watch out for before offering a personal or director guarantee?

Guarantees can expose you to personal risk. We help you understand potential enforcement, limitations, and how the guarantee terms may be structured to reduce excessive exposure.