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BUSINESS & COMMERCIAL LAW · FINANCE, SECURITIES & GUARANTEES
Know exactly what is being borrowed, secured and guaranteed before you commit.
Clear obligations. Controlled risk. Better funding decisions.
Canterbury Legal advises businesses, owners and guarantors on finance documents, security arrangements and guarantees so the legal exposure is understood before funds are drawn.
Talk to us before signing finance documents
Loan agreements, general security agreements and personal guarantees can create significant long-term obligations. Early review gives you a chance to understand the scope, negotiate where possible and make an informed decision.
Do not treat lender paperwork as a formality.
We can help with…
- loan and facility agreements
- general and specific security documents
- personal and company guarantees
- priority and inter-creditor issues
- refinancing and security releases
Understand the documents before the money moves
How we help with business finance.
Loan agreements
Review borrowing terms, repayment obligations and default provisions.
Security documents
Explain what assets are secured and how enforcement rights operate.
Guarantees
Clarify the extent and duration of personal or corporate guarantee exposure.
Refinancing
Coordinate replacement lending, discharges and new security packages.
Priority issues
Address competing securities and priority arrangements where required.
Security releases
Manage releases when facilities are repaid, assets sold or arrangements change.
Finance, Securities & Guarantees
People who can help.
Commercial advice on funding, security and guarantee obligations.
What happens next.
- Send us the finance documents before signing where possible.
- We identify the key obligations, security and guarantee exposure.
- We explain the commercial effect and any points worth raising.
- Documents are finalised and execution requirements are completed.
- We coordinate settlement or drawdown with the lender and other advisers.
Related business services
Business structuring
Align ownership and risk with the funding structure.
Commercial contracts & negotiation
Review the agreements that sit alongside the finance.
Sale & purchase of businesses
Coordinate acquisition funding with the transaction documents.
Useful commercial finance insights
Practical guidance on guarantees, funding risk, governance and commercial obligations.
Know the obligation. Control the exposure. Fund with confidence.
If finance or guarantee documents are on the table, speak with our commercial team before signing.
Phone: +64 3 377 0792
Send enquiry.
Frequently asked questions.
Yes. A guarantee can expose personal assets to business debt. Independent advice helps you understand the scope, duration and circumstances in which the guarantee may be enforced.
It is commonly used to give a lender security over a broad class of business assets. The precise effect depends on the document and the wider financing arrangements.
Sometimes. The amount of flexibility depends on the lender, transaction and bargaining position. Legal review can identify terms that warrant discussion before signing.
Security should generally be released or discharged as appropriate once the secured obligations are satisfied. We can coordinate that process.
Yes. We can review new finance documents, coordinate repayment and discharge of existing securities, and complete the legal steps required for the new facility.