SERVICES
Banking and Finance
We advise borrowers, lenders, investors, and fintech companies on a wide range of banking, lending, and financial regulatory matters. Our focus is on legally sound, enforceable, and risk-conscious documentation — tailored to each transaction’s specific commercial and legal realities.
We support clients throughout the full financing lifecycle, from structuring and negotiation to execution and regulatory compliance. We understand lender-side exposure, borrower-side leverage, and the importance of aligning financing documentation with business operations and asset protection strategies.
Lending and Security Structuring
We prepare, negotiate, and advise on the full range of credit arrangements — from bilateral and syndicated facilities to project-specific or revolving credit structures.
Our services include:
-
Loan documentation for bilateral, syndicated, bridge, project finance, and working capital arrangements
-
Security packages, including mortgages, pledges over shares or receivables, bank account charges, and floating charges
-
Cross-border lending structures, including Hungarian law-governed security in international deals
-
Intercreditor and subordination agreements, dealing with enforcement priorities and creditor hierarchies
-
Legal opinions on enforceability of financing and security documents, applicable law, and jurisdictional risk
We regularly work with Hungarian and foreign banks, private debt funds, investment companies, and commercial borrowers.
Acquisition, Real Estate, and Structured Finance
We support buyers, investors, and financial sponsors in structuring financing around business or real estate acquisitions.
Our work includes:
-
Acquisition finance, including leveraged buyouts, minority buy-ins, and holding company loan structures
-
Real estate finance, including asset-level loans, construction loans, and refinancing of income-generating property portfolios
-
Hybrid financing, including convertible instruments, subordinated shareholder loans, and equity commitment letters
-
Negotiation of financial covenants, event of default clauses, acceleration mechanisms, and step-in rights
-
Drafting of intercreditor frameworks and coordination of multi-lender or mezzanine arrangements
Our experience spans asset classes such as residential and commercial real estate, hospitality, logistics, energy infrastructure, and operating businesses.
Financial Regulatory Advisory
We assist financial institutions in navigating Hungarian and EU financial regulatory frameworks.
Our services include:
-
Licensing advisory for banks, payment service providers, and investment firms
-
Ongoing compliance support, including AML and KYC frameworks, policy development, and internal controls
-
Drafting internal compliance documentation such as onboarding protocols, reporting procedures, and whistleblower systems
-
Representation before the Hungarian National Bank (MNB) in licensing procedures, audits, investigations, and enforcement actions
Our focus is on practical compliance strategies that reduce exposure, meet supervisory expectations, and remain adaptable to business needs and evolving regulatory requirements.
Enforcement, Restructuring, and Insolvency
We advise on distressed asset situations, creditor enforcement strategies, and insolvency-related risks.
This includes:
-
Pre-enforcement advice on default triggers, acceleration rights, and enforcement steps
-
Asset tracing and recovery, including litigation or auction sale of secured property
-
Advising on loan-to-own strategies, distressed M&A, and enforcement-based takeovers
-
Representation of creditors in insolvency proceedings, creditor meetings, and asset realization processes
We structure our enforcement and recovery strategies to maximize protection and optimize leverage in both negotiated and adversarial scenarios.
Transactional Certainty and Execution
We are known for our ability to deliver under time pressure and manage complex negotiations with clarity and precision.
Our clients trust us to:
-
Handle high-stakes financing negotiations with international counterparties
-
Coordinate with notaries, banks, and registries to ensure correct filing of security interests
-
Deliver documentation packages that align with market expectations and hold up under scrutiny
-
Identify, mitigate, and negotiate around hidden risks, including enforceability, insolvency exposure, or foreign law interaction
Our banking and finance team works across sectors — including real estate, energy, manufacturing, logistics, and services — to ensure financial documentation supports the underlying business while remaining aligned with evolving regulatory standards.
We partner closely with in-house legal teams, investment managers, and external advisors to deliver coherent and execution-ready outcomes in all types of financing arrangements.
CONTACT
LMK LAW
OUR ADDRESS
Lóránt-Maróthy Law Firm
1092 Budapest, Ferenc körút 26.
Email: office@lmklaw.hu
BACK TO TOP