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Money moves fast. Legal problems move faster. At Nitre Law, we work with borrowers, lenders, and business owners who need a lawyer that understands finance transactions — not just the paperwork, but the deal behind it. We keep things moving, keep the language plain, and make sure your position is protected before anything is signed.

1. Loan and Facility Agreements

Whether you're borrowing or lending, the documentation matters. We draft, review, and negotiate:

• Commercial Loan Agreements: We make sure the terms say what you think they say — and that they protect you if things go sideways.
• Private and Non-Bank Lending: Private credit deals come with unique risks. We structure them properly from the start.
• Variations and Refinancing: Circumstances change. We document it cleanly so there are no surprises later.

2. Security Documentation

Good security is the difference between a recoverable debt and an expensive lesson. We handle:

• Mortgages and Charges: Preparation and registration over real property and personal property under the PPSA.
• General Security Agreements: Covering a borrower's full asset base where the deal requires it.
• Guarantees and Indemnities: We prepare them, and we provide independent legal advice to guarantors who need to understand exactly what they're signing.

3. Independent Legal Advice

If a lender has asked you to get ILA before signing, we can help. We explain your obligations clearly, answer your questions honestly, and issue certificates accepted by banks and private lenders across Queensland and nationally. No jargon, no unnecessary delay.

4. Due Diligence and Transaction Support

We stay across the transaction from start to settlement:

• Title and Security Searches: PPSR, title, and ASIC searches to make sure the security is clean before money changes hands.
• Priority Agreements: When there's more than one creditor in the picture, we sort out who sits where.
• Settlement Coordination: We manage the legal side of settlement so the deal closes on time.

5. Specialist Finance Structures

Some transactions need more than a standard loan agreement. We advise on:

• SMSF Lending: Limited recourse borrowing arrangements for SMSFs acquiring property or other assets — done right, with the ATO's requirements front of mind.
• Vendor Finance: Instalment sale and rent-to-own arrangements for property and business deals.
• Related Party Loans: Inter-company and family lending structured properly, documented at arm's length, and built to withstand scrutiny.

6. When Things Go Wrong

Defaults happen. Security gets disputed. Guarantors push back. We represent lenders and borrowers when finance transactions turn contentious — advising on enforcement, negotiating outcomes, and litigating in Queensland courts when there's no other option.

Ready to talk through a transaction? Reach us at info@nitre.law, on WhatsApp at +61 459 032 224, or find us on Instagram at @Nitre.law.