Corporate Finance Solicitors

Raising or arranging finance for your business, whether through a bank loan, asset finance or invoice financing, means signing agreements that carry real personal and commercial risk. Our corporate finance solicitors review and negotiate corporate finance documents for UK businesses, so you understand what you are committing to before you sign.

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Business professionals discussing regulatory compliance in a boardroom meeting

How We Help with Corporate Finance

Corporate finance covers the legal side of how a business borrows, secures or raises money, from a straightforward bank loan through to invoice financing and asset-based lending. Our corporate finance solicitors, working from Manchester, review facility agreements, security documents and personal guarantees on behalf of business owners and directors across the UK, checking what you are agreeing to before funds are released. We also advise lenders and non-bank finance providers on the documentation behind smaller commercial lending arrangements.

How our Corporate Finance Solicitors help Business Owners

Whether you are a business seeking finance or a director being asked to sign a personal guarantee, our solicitors support you through each stage of the process.

Loan Agreement Review

Advice on the terms of a bank loan or commercial lending facility before you sign, including repayment terms, covenants and events of default.

Personal Guarantee Advice

Independent legal advice for directors being asked to give a personal guarantee, so you understand the personal liability involved before signing.

Security and Debenture Documentation

Review of charges and debentures registered against your business, and advice on what security a lender can call on if things go wrong.

Invoice Financing and Asset Based Lending

Advice on invoice discounting, factoring and asset based lending agreements, including how these differ and what obligations they place on your business.

Director’s Loan Documentation

Support drafting or reviewing loan agreements between a company and its directors, so the arrangement is properly documented and tax efficient.

Not sure where to start?

Get in contact with our corporate finance solicitors and we’ll be happy to support.

What This Means for You

Clarity on what you are personally liable for before you sign
Loan and security documents reviewed in plain English
Reduced risk of agreeing to unfavourable lending terms
Support whether you are borrowing, lending or guaranteeing
A clear route from term sheet to signed agreement

When To Seek Advice

Before signing a bank loan or commercial finance agreement
If you are asked to give a personal guarantee
Before agreeing to invoice financing or asset-based lending
If a lender wants to register a charge over your business
Before entering into a loan agreement with your own company

Meet the Founder

Marium brings 22 years of experience advising businesses on corporate, employment and regulatory matters across the UK and internationally. A Solicitor regulated by the SRA (ID: 277854), she founded MAR Legal to give businesses direct access to senior business legal advice without the overhead of a traditional firm.

Marium Razzaq
Solicitor & Director Mar Legal
MCIArb

Why Choose MAR Legal for Corporate Finance Advice

Solicitor Led Advice

Our solicitors review your finance documents before you commit to them.

Fast Response

You deal directly with the solicitor negotiating your documents, start to finish.

Fixed Fee Pricing

Transparent Fixed Fee pricing agreed before work begins, with no hidden costs.

Trusted by UK businesses across Manchester and the UK for Solicitor Led advice on corporate finance.

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How Our Corporate Finance Process Works

Initial Consultation

We review the finance documents you have been sent and discuss what you are being asked to agree to.

Document Review

We go through the loan agreement, security documents or guarantee in detail and flag anything of concern.

Negotiation Support

Where terms need to change, we advise on what to raise with the lender and how to raise it.

Sign Off

Our corporate finance solicitors confirm you understand the agreement and your obligations before you sign.

What Our Clients Say

    
 
 
         
   George Alexo 
 
 
 
 Trustindex verifies that the original source of the review is Google. I can’t recommend Mar Legal highly enough. From the first consultation they were clear, knowledgeable, and straightforward with their advice — no jargon, no runaround. They were responsive whenever I had questions and clearly had my best interests at heart throughout. If you’re looking for legal support you can actually trust, this is the team.
  
 
        
   Mark West 
 
 
 
 Trustindex verifies that the original source of the review is Google. Perfect experience! We required our IDs verified for a house purchase in another town. The team were very friendly, helpful and quick to sort everything out for us. I highly reccomend!
  
 
        
   Yoana Mitova 
 
 
 
 Trustindex verifies that the original source of the review is Google. Fast and easy way to verify your ID online. Great customer service.
  
 
        
   Conor Morrison 
 
 
 
 Trustindex verifies that the original source of the review is Google. I instructed MAR legal to assist with company formation and trademark applications for my business. The whole process was straightforward and handled professionally from start to finish. They were responsive, knowledgeable and made sure everything was completed properly. I would definitely use MAR legal again for future business matters.
  
 
        
   Anah Akbar 
 
 
 
 Trustindex verifies that the original source of the review is Google. I used MAR legal to prepare my UK will and found the service very professional and easy to deal with. Everything was explained clearly and the process was handled efficiently from start to finish. It gave me real peace of mind knowing everything had been done properly. I would happily recommend MAR legal to anyone looking to put a will in place.
  
 
        
   Safiy U 
 
 
 
 Trustindex verifies that the original source of the review is Google. We have used MAR legal for a range of corporate and commercial matters and have always found them reliable, responsive and easy to work with. Their advice is practical and commercially focused, which is exactly what you want as a business owner. They have supported us with contracts, business agreements and general commercial advice, and everything has been handled professionally and efficiently. Communication has always been clear and turnaround times have been very good. It is refreshing to work with a firm that takes the time to understand the commercial side of a business rather than just giving generic legal advice. We would happily recommend MAR legal to other businesses looking for ongoing legal support.
  
 
        
   Sarah Ibrar 
 
 
 
 Trustindex verifies that the original source of the review is Google. Tanawish was super helpful and very responsive
  
 
        
   Pooja Cheema 
 
 
 
 Trustindex verifies that the original source of the review is Google. I needed independent legal advice on a bridging loan for a refinance and MAR legal handled it well. They were quick to respond, easy to deal with and turned everything around within 24 hours. The fees were reasonable and there were no delays. I would be happy to use them again.
  
 
        
   Ibby Tv 
 
 
 
 Trustindex verifies that the original source of the review is Google. I used MAR Legal for independent legal advice on a mortgage and was very pleased with the service. I was able to get a same day appointment, which was really helpful, and everything was turned around within 24 hours. They talked me through everything in a way that actually made sense and were easy to deal with throughout. I would use MAR legal again without hesitation.
  
 
        
   Sajaad Nawaz 
 
 
 
 Trustindex verifies that the original source of the review is Google. MAR legal assisted with drafting an employment contract for my business and the service was very good. They took the time to understand our requirements and produced a clear and well structured contract that suited our needs. The advice was practical and the process was handled efficiently. I would be happy to use MAR legal again for future legal support.
  
 
  
  
 
 
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Related Services

Business Contract Drafting and Commercial Advice – for the wider commercial agreements around your finance.
Outsourced General Counsel – ongoing legal support beyond a single facility.

Book a no-obligation consultation with our corporate finance solicitors.

Corporate Finance FAQs

It is not a legal requirement, but a loan agreement sets out your repayment obligations, covenants and what happens if you miss a payment, and these terms are usually written by the lender in the lender’s favour. Having a solicitor review the agreement before you sign means you understand what you are committing to and can raise concerns while there is still room to negotiate.

A personal guarantee is a promise by a director or business owner to personally repay a business debt if the company cannot. Lenders often ask for one when lending to smaller or newer companies, since it gives them a second source of repayment beyond the company’s own assets. Signing one means your personal assets, not just the business, are potentially at risk if the loan is not repaid.

Both involve raising money against unpaid invoices, but they work slightly differently. With invoice discounting, you typically remain responsible for collecting payment from your customers, and the arrangement can stay confidential. With factoring, the finance provider usually takes over collecting the debt directly, so your customers may become aware you are using the facility. Which is right for you depends on your business and customer relationships.

A debenture is a written agreement registered at Companies House that gives a lender security over your company’s assets, often used by banks and invoice financiers. It means that if your business cannot repay what it owes, the lender has a registered claim over the assets covered by the debenture ahead of many other creditors. It is worth understanding exactly what assets a debenture covers before agreeing to one.

Yes, directors can lend to or borrow from their own company, but the arrangement needs to be properly documented and can have tax consequences depending on how it is structured and repaid. A poorly documented director’s loan can create problems with HMRC or with other shareholders later, so it is worth having the agreement reviewed even where the loan is between you and your own business.

Most loan agreements set out specific consequences for a missed payment, which can include default interest, acceleration of the full remaining balance, or the lender calling on any security or personal guarantee in place. What happens depends on the exact wording of your agreement, which is why it is worth understanding these clauses before you sign rather than after a payment has already been missed.

Costs depend on the length and complexity of the agreement and whether security or a personal guarantee is also involved. Our corporate finance solicitors agree a Fixed Fee for reviewing finance documents before work begins, so you know the cost upfront rather than being billed by the hour for something you cannot easily estimate in advance.

MAR Legal provides advisory and document review services relating to corporate finance. We do not act as a lender or broker, and we do not provide financial advice regulated under the Financial Services and Markets Act 2000.

Corporate Finance Lawyers

How We Help with Corporate Finance