Loan and credit agreements
Advisory to banking institutions on drafting and negotiating banking contracts, credit lines, mortgage loans and guarantee policies. Review of the financing structure and terms to ensure legal coherence, contractual protection and operational viability.
How we work
Our methodology for this service
Financing structure analysis
We review the transaction structure, the type of financing — loan, credit line, mortgage, guarantee — and the borrower's characteristics to ensure the contract reflects the economic reality of the deal.
Contract drafting and negotiation
We draft banking contract documentation with technical precision, incorporating acceleration clauses, covenants, security and drawdown conditions tailored to each transaction.
Regulatory compliance review
We verify that the documentation complies with applicable banking regulations — transparency, LCCI, consumer law — and with the client's internal requirements, reducing the risk of future challenges.
Notarial and registry formalisation
We coordinate the notarial signing, registration at the Land Registry or Companies Registry where applicable, and manage any issues arising during the formalisation process.
Who this is for
Banks and credit institutions needing advice on drafting and negotiating their standard contractual documentation and in specific corporate and mortgage financing transactions.
Discover more by sector
Why MES Legal?
- Specialist lawyers with proven expertise in each practice area
- Offices in Barcelona and Madrid with national coverage throughout Spain
- Results-oriented, practical approach with clear risk management
- Direct professional relationship — no large-firm layers or intermediaries
Other services in this area
-
Company formation and structure
Design of the most suitable legal structure for your business: SA, SL, SLU, holdings, joint ventures and tax-efficient structures. We advise taking into account the size, activity, growth projection and governance needs of each business.
-
Foundations, cooperatives and non-profit entities
Incorporation and legal structure for foundations, associations, cooperatives, federations and other third-sector entities: legal form selection, drafting of articles, registry filing, public utility declaration and document review for entities channelling public or private grants.
-
Corporate governance
Drafting and review of articles of association, shareholder agreements, minority shareholder arrangements and rules governing the board and general meeting. Clear rules for decision-making, rights allocation and dispute resolution to reinforce corporate stability.
-
Mergers and acquisitions (M&A)
Comprehensive advice in business sale and purchase transactions and corporate restructuring. Legal due diligence, SPA and SHA negotiation, deal structuring and assistance at closing, with special attention to contingencies, warranties, liabilities and adjustment mechanisms.