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Financing & Security

Well structured financing arrangement is key

Financing & Security

At Onkaa, financing isn’t just about numbers – it’s about creating possibilities that drive the business forward.

Financing is the foundation of a successful business. Onkaa provides guidance not only to companies but also to financiers and other stakeholders.

Onkaa stands out through its in-depth expertise in banking and finance, covering both legal and commercial aspects. With market knowledge and experience, Onkaa bridges the gap between legal risks and the commercial and practical realities.

New financing

Every business needs additional financial resources at certain times, whether for growth, investment, or strategic changes. Onkaa guides the entire process:

  • Structuring and Documenting Financings: drafting term sheets, selecting the most suitable financing instruments like loans, overdraft credit, or asset-based finance (e.g., advancing funds based on the value of receivables and/or inventory).
  • Negotiations: providing active support during negotiations between financiers/credit providers and prospective debtors, balancing legal and commercial interests effectively.
  • Documentation: thorough preparation and review of credit and security documents, including Loan Market Association (LMA) standards for larger financings, syndicated/club-deal financings, potential pledges/mortgages, and guarantees.

Refinancing

Refinancing provides an opportunity to revise existing financial arrangements, giving businesses more flexibility and/or financial space. Onkaa offers support by:

  • Analyzing the current financial position and future needs of the intended debtor(s).
  • Negotiating revised terms to achieve commercial flexibility without unnecessarily restricting day-to-day operations.
  • Structuring and Documenting new financing and security agreements.

Security rights and guarantees

Solid financing requires a clear and well-thought-out security structure. Onkaa assists with:

  • Drafting and reviewing pledge and mortgage deeds that are both legally valid and practically enforceable.
  • Structuring guarantees, sureties, or other contractual security arrangements.
  • Advising on the release or substitution of securities as financing needs change.
  • Structuring security claims in scenarios with multiple financiers with separate rankings (e.g., rank changes or waterfall structures).

Regulatory & Compliance

In the financial sector, strict regulations and oversight play a crucial role. Onkaa ensures that your financing structures fully comply with legal requirements, focusing on:

  • Regulations such as the Dutch Financial Supervision Act (Wft) and other relevant European standards.
  • AML and KYC requirements (Anti-Money Laundering and Know Your Customer).
  • Managing reporting obligations to supervisory authorities like the Dutch Authority for Financial Markets (AFM).

Possible solutions

Practical steps and strategic insights to help you move forward with confidence.

Finance documents

Structuring, documenting and reviewing complex finance arrangements.

Security rights & guarantees

Documenting and reviewing of security rights and guarantees

Quick scan term sheet

Reviewing a financing proposal/term sheet

Intercompany financing

Documenting intercompany financing arrangements with security rights (if any).

Distinctive features of Onkaa

  • Legal, financial, and commercial expertise: integrates deep legal knowledge with practical and commercial insights.
  • Accessible communication: complex legal matters explained in a clear and understandable way.
  • Tailored solutions: focused on specific client needs with customized structures.
  • Proactive risk management: early identification and management of potential risks.

Curious about how I can support you?

Whether you’re looking for a sparring partner, strategic advice, or assistance with complex challenges, I’m here to help.

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Curious about how I can support you?