Banking & Finance
Financing negotiated around the covenants you will live with.
You are raising finance, lending it, or restructuring what you owe — and the terms you sign will govern your flexibility for years. We act for borrowers and lenders in Albania on facilities, security, and refinancings, negotiating documents you can live with and security that actually holds when tested.
The terms that matter most are the ones that bite later — the covenants, conditions, and default triggers. We negotiate those with a clear eye on the headroom you will actually need, and coordinate the tax treatment so the financing is efficient as well as bankable.
What we advise on.
Facility agreements
We negotiate term, revolving, and bilateral facilities, focusing on the covenants, drawdown conditions, and flexibility you will need over the life of the loan. The goal is funding you can operate under, not just accept.
Security & collateral
We create and perfect guarantees, pledges, mortgages, and charges, ensuring the security is valid, enforceable, and correctly registered. Defective security is discovered at the worst possible moment; we prevent that.
Refinancing & restructuring
We rework existing debt to fit changed circumstances, whether to release headroom, extend maturities, or respond to distress. Refinancing done early is far cheaper than default managed late.
Project & acquisition finance
We structure funding tied to specific assets, cash flows, or transactions, aligning the finance with the underlying deal. The financing and the acquisition are documented to move together.
Regulatory advice
We advise financial institutions on the Bank of Albania framework and the licensing and conduct rules that apply to their activity. Regulatory certainty is built into the transaction, not bolted on afterwards.
Enforcement
When a facility fails, we advise on realizing security and recovering value in the right order and forum. Sequence and timing frequently decide how much is recovered.
How we work with you.
We read every facility from the borrower's future as well as the lender's present, testing the covenants and conditions against how the business will actually perform. Our tax team reviews withholding and deductibility in parallel, so nothing efficient in the loan is undone in the return.
A senior lawyer leads and coordinates the specialists a financing needs, giving you seamless coordination and one consistent view. You go into the negotiation knowing exactly which terms matter and why.
You are borrowing to grow, to acquire, or to refinance existing debt.
You are a lender documenting and securing a facility.
You are renegotiating terms under financial pressure.
Banking activity is regulated by the Bank of Albania under Law No. 9662/2006 "On Banks in the Republic of Albania". Security over movable assets is created and perfected through the register of charges, while real-estate security is registered with the State Cadastre Agency (ASHK); correct registration is what makes security enforceable against third parties.
Discuss a legal matter.
Describe the situation in a few lines; a senior advisor will come back to you within one business day.
Discuss your matter