An ₼18 million loan for a hotel project in Gabala
We acted for the borrower: negotiated the loan agreement, the mortgage over the land and the share pledge with the bank.
The security required was cut from 140% to 115% of the loan.
Who worked on it
Banking, finance and compliance
Loans and security, payment institutions, anti-money-laundering rules.
We work on loan and security documents, licensing of payment institutions and anti-money-laundering policies. We have acted for banks and for borrowing companies, so in negotiations we know what the other side will accept.
What we do
- Loan agreements and syndicated loans
- Pledges, mortgages, guarantees and share pledges
- Licence applications for payment and e-money institutions
- Anti-money-laundering policies and customer due diligence rules
- Preparing for a regulator’s inspection
- Restructuring troubled loans
Who comes to us
Local banks and credit organisations, payment services, construction and hotel projects taking loans.
Fees
Work in this area is usually billed by the hour or for a total agreed in the engagement letter. We confirm the fee in writing after the first meeting.
All fees and hourly ratesRecent work in this area
AML rules and a regulator’s inspection for a payment institution
We rewrote the customer due diligence rules, trained 23 staff and answered the inspectors’ requests.
The inspection closed without a fine.
Who worked on it
Questions clients ask
Can you review a loan agreement before we sign?
Yes. We look hardest at rate changes, events of default and how much security is asked for. Usually 3–5 working days, and then we can join the talks with the bank.
Do you write AML policies from scratch?
Yes, based on the company’s real customers and products. A template policy does not survive an inspection, so we first spend 2–3 meetings learning how the business works.
The bank wants to change the loan terms. What now?
Send us the agreement and the bank’s letter before signing anything. We tell you whether the bank may make that change and what you could offer instead.
A first meeting is 60 minutes and starts at ₼100
We read your papers and tell you what can be done, how long it will take and what it will cost. If you instruct us within 30 days, the meeting fee comes off your first invoice.
- RequestOn the form, by phone, on WhatsApp or in the chat.
- Within 2 working hoursThe client desk calls you and asks about the matter and the other side, so we can check for conflicts.
- Before the meetingWe confirm the lawyer, the time, the format and the fee in writing.
- 60 minutesIn the office, by video or by phone. What you tell us stays confidential.
- AfterwardsIf you wish, we send an engagement letter setting out the scope and the fee.