Finance & Payment Services Law

In complex market environments, companies need flexible and legally secure financing solutions. We provide comprehensive advice on purchase and sales financing, leasing, and factoring:

• Purchase Financing: We help to structure legally secure financing solutions for purchasing goods and materials. We advise on suitable contract models, assess collateral, and identify risks early to ensure protection.
• Sales Financing: We assist in developing legally sound financing models for the sale of products and services.
• Leasing: We support both lessors and lessees in drafting and reviewing leasing agreements, clarify legal and tax aspects of leasing structures, and help minimize contractual risks.
• Factoring: We advise on the sale of receivables, draft legally sound contracts, secure claims, and ensure compliance with regulatory requirements. We also offer practical solutions for complex or cross-border factoring arrangements.

We assist companies, banks, and financial service providers to structure their operations in a legally secure and efficient way. Our services cover all aspects of payment services – from contract drafting and implementation of regulatory requirements to the rollout of new payment models.

We advise on current regulations such as PSD2, e-money rules, and the legal requirements for online payment systems. We draft and review agreements between banks, payment service providers, and clients.

We ensure compliance with all regulatory requirements – including anti-money laundering, data protection, BaFin regulations, and the application for necessary licenses. We clarify liability in cases of payment disruptions or misbookings and help resolve disputes with customers, partners, or authorities, in and out of court.

We also support the launch of new digital payment systems and provide comprehensive legal guidance on FinTech innovations.

Securing loans requires robust legal strategies to minimize financial risk. We assist lenders and companies in structuring and enforcing loan collateral effectively.

We help select suitable security instruments, design enforceable structures, and ensure legal sustainability – whether land charges, guarantees, security transfers of ownership, or assignments of receivables.

We structure collateral so that it remains valid and challenge-proof, even in insolvency. If a loan defaults, we assist with enforcement – including foreclosure, realization of land charges, or sale of pledged assets.

Alternative financing instruments such as mezzanine capital, profit participation rights, and corporate bonds offer flexible ways for companies to raise capital.

We advise on the legally sound structuring, drafting, and implementation of these instruments and support investors, companies, and financial institutions through complex transactions.