Assistance in the relationships with credit institutions

The Studio provides businesses with all the tools required to establish proper and fruitful relationships with credit institutions with a view to managing daily operations and critical situations, by integrating in an interdisciplinary manner our expertise in the areas of corporate finance and banking law.

Finance
The Studio has accrued significant experience, expertise and specific know-how in the following areas:
  • Analysis of corporate financial requirements and credit ratings
  • Bank Monitor: analysis of the Credit Bureau
  • Access to credit and assistance in the relationships with credit institutions
  • Implementation of industrial plans and business plans in support of loan applications
  • Certification of the economic and financial plan of a Financing Project
The Studio, depending on different services offered in this area, can also provide, on the Client’s request, an in-depth analysis of the last three years. Indeed, the historical financial performance of a business constitutes the starting point for any analysis as it shows the origin and the extent of its specific financial requirements.

Banking Law
The Studio boasts a twenty-year experience in the area of banking law, with special focus on the following topics:
  • Assistance in court disputes and alternative dispute resolution procedures in the area of lending (compound interest, usury, interest exceeding the legal rate, bank fees and charges, legal form of contracts, referral to the Credit Bureau, illegal withdrawal of lending, the right to change (ius variandi), etc.)
  • Consultancy and assistance when entering into contracts and in any litigation or alternative dispute resolution procedures in the area of credit security (lien, mortgage, bank guarantees, letters of credit, atypical security, assignment of commercial credits, etc.)
  • Consultancy and assistance when entering into contracts and in any litigation or alternative dispute resolution procedures in the area of general banking contracts (contracts covering current accounts, loans, deposits, advances against invoices both in Italy and abroad, credit instruments, credit and debit cards, safe deposit boxes, etc.)
  • Consultancy and assistance when renegotiating account relationships and restructuring debts (consolidation and loan rescheduling, standstill agreements, covenants, corporate crisis management).

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