Banking and Finance Law (Banking & Finance)

Strategic legal advice for financial institutions, investment funds, and companies. We structure your operations and protect your capital.

Security and Compliance in the Financial Market

The banking and financial sector is governed by a constantly evolving regulatory framework, both at a national and European level (ECB, CNMV, Bank of Spain). Complex financing operations require an impeccable legal vision to mitigate risks.

At Legal Excellens, we advise lenders, borrowers, sponsors, and investors in all types of financial transactions. We understand that time and precision are crucial in closing a financial operation.

From the negotiation of a corporate loan to the regulatory compliance of a FinTech entity, we provide agile and commercially viable solutions that protect your long-term interests.

Our Financial Practice Areas

Corporate Finance

Legal structuring of capital and debt injections.

  • Syndicated and Bilateral Financing: Drafting and negotiation of loan agreements
  • Project Finance: Financing of energy, infrastructure, and real estate projects (Real Estate Finance).
  • Guarantees: Creation of real and personal guarantee packages.

Banking Regulation and FinTech

Regulatory compliance to operate safely.

  • Licenses and Authorizations: Assistance before the Bank of Spain and the CNMV.
  • Financial Compliance: Anti-Money Laundering (AML/CFT) and MiFID II regulations.
  • FinTech and Crypto-assets: Legal advice on disruptive business models and payment platforms.

Restructuring and Distressed Debt

Solutions for insolvency scenarios or liquidity tension.

  • Refinancing: Negotiation with the banking syndicate and creditors.
  • Portfolio Sales (NPLs): Advice to funds on the acquisition of debt portfolios and foreclosed assets.
  • Out-of-court Agreements: Preventive restructuring plans.

Why entrust your financial operations to Legal Excellens?

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Business-Oriented Approach

Our lawyers not only evaluate the legal risk but also understand the underlying financial models. We work to make the operation viable (“deal makers”), finding legal solutions that allow the transaction to close within the required timeframes.

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Cross-Border Experience

Accustomed to operating in international environments, we coordinate financing operations involving multiple jurisdictions, ensuring that guarantees created in Spain are enforceable and valid under international standards.

Frequently Asked Questions about Financial Law

Do you advise borrowing companies in the negotiation of bank financing?

Of course. We accompany the company throughout the negotiation of the Term Sheet, review financing contracts (often based on LMA standards), and ensure that positive and negative obligations (covenants) do not paralyze your business operations.

What services do you offer to FinTech companies?

We provide comprehensive advice to participatory financing platforms (Crowdfunding/Crowdlending), payment gateways, and crypto-asset companies. We manage the relevant authorizations before the Bank of Spain or the CNMV and guarantee regulatory compliance in the prevention of money laundering.

My company has liquidity problems, can you help with debt restructuring?

Yes. We design legal restructuring plans to protect the company and its directors. We negotiate with the banking syndicate, debt funds, and operational creditors to achieve refinancing, haircuts, or debt capitalizations that ensure business viability.

Structure your financial operations safely

Minimize the legal risks of your transactions and ensure your company’s regulatory compliance with the help of specialist lawyers.

Consult with a Financial Lawyer