Finance law
The Firm advises companies, investors and institutions on obtaining and granting financing, on investments made through the securities markets and on compliance with financial sector regulation.
Schöndube · Fernández · López Madrigal reviews and negotiates the transaction documents on behalf of the borrower, the lender or the party contributing capital, so that the client knows what they are committing to before signing and what happens if they or the other party fail to perform.
What is finance law?
A loan seems simple as long as the conversation is only about amount, term and rate, but the obligations that really weigh are in the other clauses: what security is given, in which cases the lender can demand full payment before maturity, what information the company must deliver while it owes money and what happens if it stops doing so. Those clauses are negotiated before signing, when a change can still be requested, and not once there is already a default.
When the money comes from an investor, is raised by issuing securities or is lent by a supervised institution, financial sector regulation also comes into play, setting out who may carry out each transaction, before which authority and under what requirements, and non-compliance with it can bring sanctions even if the contract is well drafted.
Finance services
Project and corporate financing
We negotiate and draft credit agreements, funding lines and project financings, whether the client is receiving the money or providing it, and we review the security backing the transaction. When the loan is used to purchase or develop real estate, we work together with the Real Estate practice, which handles the security over the property.
Capital markets
We advise on the issuance of securities, on securities purchase and sale transactions and on the structure of investments: which documents each transaction requires, to whom it may be offered and under what requirements.
Banking and financial regulation
We review whether the client's activity, or that of its counterparty, requires authorization, registration or supervision by a financial authority, and what compliance obligations it brings with it, including those arising from dealing with institutions or investors from other countries.
Legal risks of the transaction
Before closing a financial transaction we identify which obligations each party assumes, in which cases early payment may be demanded or security enforced and what happens if conditions change, and we settle in the contract what would otherwise be argued about later.
How we work
We handle financing and investment transactions spanning Mexico, the United States and Europe in Spanish and English, so that a client with a lender or an investor in another country has a single team and a single legal criterion.
More information
Enquiries are received at info@schondube.com and by telephone at +52 (998) 881 1970.
Schöndube · Fernández · López Madrigal. Edificio Atrium, interior 410, Avenida Nichupté, Número 20, Manzana 2, Supermanzana 19, Cancún, Benito Juárez, Quintana Roo, México, C.P. 77500
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