Help with Loan or Finance Documents.

Why Finance Documents Need Legal Review

Business loans and finance arrangements often include detailed terms, security interests and director guarantees. It’s important to understand what you are agreeing to and how those commitments may affect your business now and in the future.

We help you review and negotiate finance documents so you can make informed decisions that protect your business.

How We Help

We assist businesses with:

• Reviewing loan agreements and finance facility documentation

• Advising on director and personal guarantees

• Reviewing security documents and PPSR (Personal Property Securities Register) registrations

• Supporting bank finance, private lending and intercompany loans

• Assisting with refinancing and loan restructuring

• Explaining your obligations if things do not go as planned

Our advice focuses on clarity, risk management and commercial practicality.

Practical, Commercially Focused Advice

We explain complex finance documents in plain English, highlight key risks and provide guidance that supports your business goals. Whether you are entering a new lending arrangement or restructuring existing finance, we help you understand every step of the process.

Where We Work

Our commercial and corporate law team is based in Wellington, Kāpiti, Lower Hutt and Masterton. We advise businesses across the Wellington region, the lower North Island and throughout New Zealand on finance arrangements, lending agreements and loan restructuring.

Questions We Often Get Asked About Finance and Loan Documents

What is a director’s guarantee?

A director’s guarantee makes the director personally responsible for a company’s debt if the company cannot pay. This means personal assets could be at risk. We explain what the guarantee covers and how to manage or limit exposure.

What does a security interest or PPSR registration mean?

A security interest gives the lender rights over specific assets until the loan is repaid. These are recorded on the Personal Property Securities Register (PPSR). We can check what is registered and explain how it affects your ability to use or sell business assets.

Can finance documents be negotiated?

Yes. Key terms such as repayment schedules, default clauses, or security requirements can often be negotiated before signing. We help identify where there is room to negotiate and how to approach lenders constructively.

What happens if a loan defaults?

If payments are missed or terms are breached, lenders may enforce their security, appoint a receiver or call on personal guarantees. Early advice can help you manage risks and negotiate solutions before enforcement action begins.

When should I get legal advice on finance documents?

You should always seek legal advice before signing any loan or guarantee. We review documents to ensure you understand your commitments, the risks involved and any options to protect your position.