International & Professional Lending
Syndicated loans, cross-border lending, law firm financing, secured and unsecured credit facilities. LMA/LSTA/APLMA documentation. CRD VI compliant.
Multi-lender facilities arranged by lead banks. Term loans, revolving credits, acquisition financing. LMA/LSTA/APLMA documentation. $10M-$5B+ facilities.
Multi-currency lending across jurisdictions. CRD VI / Article 21c compliance for EU nexus. Sovereign, corporate, and project finance structures.
Dedicated credit lines for law firms: case cost financing, working capital, partner capital calls, practice acquisition, and contingency funding.
Asset-backed loans, collateralized facilities, corporate guarantees, and unsecured credit lines based on balance sheet strength.
Amortising senior secured facility. Regular principal repayments over 5-7 years. Typically held by relationship banks.
Bullet repayment institutional tranche. Minimal amortisation, large final payment. Distributed to institutional investors. 7-10 year tenor.
Multi-purpose committed facility. Working capital, letters of credit, general corporate purposes. 3-5 year tenor. Commitment fee on undrawn portion.
Dedicated financing for M&A, LBOs, and corporate acquisitions. Senior debt, mezzanine, and unitranche structures. Highly customised covenants.
Loans spanning multiple legal systems. Co-borrower structures with EU/non-EU subsidiaries. Currency flexibility (USD, EUR, GBP, CHF, JPY).
EU-wide framework for non-EU lenders providing core banking services to EU borrowers. Branch authorisation or reverse solicitation exemption. Effective July 2026.
Sovereign-backed facilities, multilateral development bank (MDB) participation, export credit agency (ECA) covered loans. 29 jurisdictions covered.
Draw in multiple currencies under single facility agreement. FX conversion and hedging integrated. LMA multicurrency terms.
Dedicated funding for litigation and arbitration disbursements. Expert witness fees, court costs, document review, and travel. Non-recourse against case proceeds or firm balance sheet.
Revolving credit facilities for law firm operations. Wages, overhead, technology investment. Secured against WIP, receivables, or partner guarantees. $500K-$25M.
Loans to partners for capital contributions, equity buy-ins, or tax distributions. Recourse to partner or secured against capital account. $100K-$5M per partner.
Acquisition finance for law firm mergers, practice group acquisitions, and lateral partner hires. Amortising term loans. 3-7 year tenor.
Collateralised by assets: real estate, securities, cash, receivables, inventory, equipment. Lower pricing, higher leverage. Security trust / agency structure. LMA secured facility terms.
No specific collateral. Based on borrower credit strength, cash flow, and covenant package. Investment grade and strong institutional counterparties. Negative pledge covenant.
Borrowing base formula against specific asset pools: receivables (85%), inventory (50-65%), equipment (70-80%). Regular collateral reporting and field exams.
| Parameter | Secured | Unsecured |
|---|---|---|
| Pricing | SOFR + 150-350bps | SOFR + 80-200bps |
| Max Leverage | 5.0-7.0x EBITDA | 3.0-4.0x EBITDA |
| Covenants | Maintenance + Incurrence | Incurrence only |
| Documentation | Security + Intercreditor | Simple facility agreement |
| Closing Timeline | 4-8 weeks | 2-4 weeks |
AEGIS International Loan Desk. LMA/LSTA/APLMA standard documentation. CRD VI compliant.
All lending subject to KYC/AML clearance, credit approval, and regulatory compliance per jurisdiction.
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