Get your finance in order

Whether you are borrowing, lending, leasing, or investing, the legal documentation behind your financial arrangements determines how well protected you are if something goes wrong. We will make sure your finance is structured and documented correctly from the outset.

Legal expertise across every aspect of commercial finance and lending

From commercial loan facilities and security interests to equipment leasing and capital market regulation, our banking and finance lawyers understand the detail behind every transaction and will protect your position at every step.

Borrow with confidence

Understand exactly what you are agreeing to before you sign any loan or security document, and make sure the terms work in your favour.

Protect your security interests

Structure for compliance

Ensure your financial arrangements meet regulatory requirements, from AFSL licensing through to managed investment scheme obligations.

When you work with us, your financial arrangements will be correctly documented, legally sound, and structured to protect your interests.

You will have loan and security documentation that clearly defines your rights and gives you proper recourse if things do not go to plan. You will have security interests registered correctly on the PPSR so your position is protected. You will have confidence that your financial arrangements meet all regulatory requirements.

How we can help

We advise borrowers, lenders, investors, and businesses across every type of commercial finance, lending, and capital markets matter.

Commercial loan facility with security

Put in place a commercial loan agreement with the right security documentation, including mortgage or PPSR registration, to protect your lending position.

Understand loan and security terms

Get independent legal advice on the terms of a loan or security arrangement you are being asked to enter so you understand your obligations before you commit.

PPSR security interest management

Register, review, and manage your security interests on the Personal Property Securities Register to protect your priority position as a secured creditor.

Equipment lease facility

Structure and document an equipment lease facility with the right security arrangements so your interests are protected throughout the term.

Loan and security guarantee advice

Understand your exposure and obligations before providing a guarantee over a loan or security arrangement, and negotiate terms that limit your liability.

Manage and enforce an existing loan facility

Get legal advice on managing a commercial loan in default, enforcing security interests, and recovering what you are owed through the right legal process.

AFSL licensing and regulation

Obtain an Australian Financial Services Licence or understand and meet your ongoing AFSL obligations as a licensed financial services provider.

Why the legal detail behind your finance matters

A commercial loan facility, equipment lease, or security arrangement is only as strong as the documentation behind it. Poorly drafted loan agreements, incorrectly registered security interests, or guarantees that were not properly explained can leave lenders exposed, borrowers overcommitted, and disputes that are expensive and difficult to resolve.

The PPSR in particular is unforgiving. An unperfected security interest can lose its priority to a subsequently registered creditor or be extinguished entirely in an insolvency. Getting registration right, and keeping it current, is not optional for anyone relying on security over personal property.

At ADLV Law, our banking and finance lawyers have over 25 years of experience across commercial lending, security documentation, equipment finance, and capital markets. We understand both the legal requirements and the commercial realities of every transaction, and we will make sure your financial arrangements hold up when they need to.