Expert legal review of loan and security documents before you sign.
We will assist you to understand and manage your borrowing obligations before you sign.
Avoid personal guarantee pitfalls and unlimited liability.
Understand your true obligations and liabilities before signing.
Protect your business and personal assets from unnecessary risk.
Don’t sign what you don’t understand – get expert legal advice on your loan documents.
You’re about to sign loan and security documents that could impact your business and personal assets for years to come. ADLV Law will review your loan documentation, explain your obligations in plain English, and ensure you understand exactly what you’re committing to before signing. You’ll sign with confidence, knowing you’ve protected your interests and avoided hidden traps that could cost you dearly.
Get clarity before you commit.
Contact us today for expert review of your loan documents. Our experienced banking and finance lawyers will ensure you understand every obligation before you sign.
Don’t let complex loan documents trap you.
You know how loan and security documents from banks and lenders are filled with complex legal jargon, cross-guarantees, and obligations that seem impossible to understand? You’re being asked to sign quickly, but you’re worried about what you’re really agreeing to.
We translate complex loan documents into plain English, identify the real risks to your business and personal assets, and negotiate amendments where possible. We ensure you understand every obligation, guarantee, and security provision before you sign.
Banks and lenders shouldn’t use their power and complex documentation to take advantage of borrowers.
Banks and lenders shouldn’t use their power and complex documentation to take advantage of borrowers. You should be able to access finance for your business without signing away rights you don’t understand. The lending system should be transparent and fair, not designed to trap the unwary.
You’re a successful business owner or investor who needs finance to grow your business, acquire property, or expand operations. You’ve worked hard to build your assets and reputation. Your bank or lender has presented you with a stack of loan documents – facility agreements, general security deeds, guarantees, and mortgages. They’re pressuring you to sign quickly, but the documents are filled with legal jargon you don’t understand. You’re being asked to provide personal guarantees and securities over your assets.
Without proper legal advice, you could be signing away more than you realise. Hidden clauses could make you personally liable for business debts, cross-default provisions could put all your assets at risk, and you might be agreeing to terms that make refinancing impossible.
Complex loan documents hide serious risks.
You need finance to grow your business or invest in property, but the loan documents are complex legal instruments that could expose you to unlimited personal liability and put all your assets at risk. If you sign without understanding your obligations, you could face personal bankruptcy if the business fails, lose assets you didn’t know were at risk, find yourself unable to refinance or sell property, or discover you’ve guaranteed debts you never intended to cover.
Protection through understanding.
We review every page of your loan documents, explaining complex terms in plain English and ensuring you understand exactly what you’re signing. You’ll have complete clarity and confidence in your decision. We identify unfair terms, negotiate amendments where possible, and ensure proper documentation that protects your interests. We’ll also advise on structuring to minimise personal exposure.
After our review, you’ll proceed with your financing knowing you’ve made an informed decision. You understand your obligations, you’ve minimised unnecessary risks, and you can focus on growing your business rather than worrying about hidden traps in your loan documents.
Your path to informed borrowing.
Sign with confidence, borrow with clarity.
Step 1
Document review
Send us your loan documents for comprehensive review. We’ll analyse every clause, term, and obligation.
Step 2
Explanation and advice
We meet with you to explain your obligations in plain English, provide written advice on the documents, suggest amendments, and help negotiate better terms where possible.
Step 3
Signing support
We attend to the formal certification requirements and ensure all documentation is properly executed.
We understand the pressure you’re under to sign quickly and get your financing in place.
We know how overwhelming loan documents can be, with their complex language and interconnected obligations. We’ve seen too many business owners discover too late that they’ve signed away more than they intended. We know you want to grow your business without putting everything you’ve built at risk. We understand that you need this finance to achieve your goals, but you also need to protect what you’ve already accomplished.
With over 25 years of experience in banking and finance law, we’ve reviewed loan documents from every major bank and lender in Australia. Our team includes Accredited Business Law Specialists who know exactly what lenders are trying to achieve and where borrowers need protection. Our expertise spans commercial loans, property finance, asset finance, and complex multi-party security arrangements.
We speak the bank’s language, so you don’t have to. Let us translate complexity into clarity.
Our Great Lawyer Guarantee
We want to be part of your team over the long term. We’ll achieve this by sticking closely to the following key principles
Take the time
Work as a team
Shared knowledge
Stick to our knitting
Transparent pricing
It's your show!
Transparent pricing for loan document review.
We’ll provide you with a comprehensive Work Proposal detailing:
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- The full scope of services;
- Clear fixed fees for each stage of the process;
- Realistic timelines for implementation;
- Our fixed fair fees mean no surprises;
- All consultations, document preparation, meetings, and implementation support are included in the price we quote you.
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Take the first step
Want to know more? Read some of our insights at the links below.