CONTENTS
Banking and Finance Law
Our services in the field of Banking and Finance Law are handled by our team of expert lawyers. Possessing the necessary knowledge and foresight to solve the complex problems arising in today's financial markets, our team provides comprehensive legal consultancy services to Turkish and foreign financial institutions operating in various sectors, from information technology to manufacturing.
We provide strategic guidance to our clients at every stage of financing transactions. With our extensive experience in representing lenders and borrowers, we develop creative, effective, and commercially sound solutions in negotiation processes, regulatory compliance, and risk management.
Our clients include commercial banks, investment banks, leasing companies, factoring companies, private equity funds, and corporate borrowers. In project financing, we support sponsors, project developers, lenders, financial institutions, investment funds, and public institutions.
We provide strategic guidance to our clients at every stage of financing transactions. With our extensive experience in representing lenders and borrowers, we develop creative, effective, and commercially sound solutions in negotiation processes, regulatory compliance, and risk management.
Our clients include commercial banks, investment banks, leasing companies, factoring companies, private equity funds, and corporate borrowers. In project financing, we support sponsors, project developers, lenders, financial institutions, investment funds, and public institutions.
Our Approach
Banking and financial transactions are more than just technical documentation. Our team provides legal support not only on the technical terms and conditions of banking documents, but also contributes to the strategic and structural dimensions of the transaction. With our deep industry knowledge and expertise, we aim to provide our clients with fully integrated and seamless legal services, regardless of the location, scope, or complexity of the transaction.
Financial Restructuring
We provide comprehensive legal advice to both debtor companies and creditor financial institutions in the processes of restructuring debtors' financial obligations. We actively participate in the preparation and negotiation of maturity extensions, interest rate reductions, principal reductions, and debt restructuring protocols. Particularly for companies experiencing financial difficulties, we represent our clients in bankruptcy proceedings and out-of-court restructuring efforts, and in negotiations with creditors, we create strategic roadmaps to find the most suitable solution.
Restructuring and Bankruptcy
During periods of financial difficulty for companies, we represent both creditors and debtors in bankruptcy postponement, bankruptcy liquidation, and bankruptcy deferral processes. We effectively protect our clients' rights in bankruptcy estate management, bankruptcy annulment proceedings, and creditors' meetings. To ensure companies can continue operations and maintain existing employment, we evaluate all legally feasible alternatives and offer our clients short-term and long-term solutions.
Purchase Financing
In the financing aspect of mergers and acquisitions, we provide strategic advice to acquiring companies and financing institutions. We work in-depth on the creation of complex structures such as leveraged buyouts (LBOs), management buyouts (MBOs), and management-assisted buyouts (MBIs), drafting financing agreements, and optimizing risk diversification. We guide our clients through the process of structuring collateral structures, promissory notes, guarantees, and other security instruments.
Syndicated Loans
In large-scale loan transactions involving multiple banks, we represent both the lending consortium and the borrowing party. We offer comprehensive services in areas such as drafting loan agreements, establishing joint collateral structures, communicating with credit rating agencies, and managing the closing process. Particularly in multinational syndicated loans, we develop agreements that balance the interests of all parties, taking into account the requirements of different legal systems.
Project Financing
We provide consulting services for the financing of large-scale projects in energy (renewable energy, natural gas, electricity generation), infrastructure (highways, bridges, ports, airports), transportation, water and waste management, throughout the entire process from project initiation to closure. We actively participate in the preparation of project documentation, concession agreements, EPC (engineering, procurement, and construction) contracts, operation and maintenance contracts, and negotiations with lenders. We offer in-depth expertise in identifying project risks, distributing these risks, and establishing collateral structures.
Banking and Finance
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Frequently Asked Questions
At what stages should banking and finance law advice be sought?
Legal advice in financing transactions should begin as early as possible. Legal support obtained during stages such as loan application, contract negotiations, collateral assessment, and risk analysis is crucial in preventing future disputes. Interventions after the contract is signed are generally limited, and the opportunity for negotiation disappears. Therefore, we recommend seeking support from a legal expert from the moment the need for financing arises.
What is the role of the legal team in project financing?
In project finance, the legal team plays a critical role throughout the entire process, from the start to the completion of the project. The legal team creates all the documentary infrastructure, from the preparation and negotiation of project documents (concession agreements, EPC contracts, operation and maintenance contracts) to the drafting of financing agreements with lenders. They also identify potential legal risks the project may face, develop contractual provisions to minimize these risks, and establish collateral structures. Throughout the project, they monitor regulatory changes, manage relevant permit and licensing processes, and ensure the project is completed legally without problems. Because project finance is an area involving numerous stakeholders and complex documentation, the presence of an experienced legal team is indispensable for the project's success.
What types of collateral are required by banks and financial institutions?
Banks and other financial institutions require various forms of collateral to protect against the risk of non-repayment of loans. These include mortgages (real estate pledges), business liens, vehicle liens, sureties, promissory notes, letters of guarantee, assignment of receivables, pledges of company shares, and personal guarantees. The choice of which type or combination of collateral to use depends on the type, amount, and maturity of the loan, the client's financial situation, and their sector. Each type of collateral has different legal consequences, advantages, and risks. Therefore, it is essential to consult a legal advisor before establishing any collateral structures.
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Our Other Services
Mergers and Acquisitions
Strategic legal guidance and due diligence in domestic and cross-border acquisitions, mergers, joint ventures, and share transfers.
Energy & Infrastructure
Concession agreements and regulatory compliance in renewable energy, natural gas, electricity markets, and large-scale infrastructure projects.
Fintech
Regulatory compliance for innovative financial technologies, including digital banking, crypto assets, payment services, and remote identification.
Real Estate Law
Legal support in purchase/sale, lease, construction contracts, zoning laws, and investment consultancy for large-scale real estate projects.
Labor Law
Advice to employers and employees on employment contracts, compensation policies, collective labor relations, occupational health, and terminations.
Company Law and Corporate Governance
Comprehensive services from incorporation to board liability, general assembly procedures, and corporate governance principles for joint-stock and limited companies.
