Banking & Finance

We provide comprehensive legal services in banking and finance, advising lenders, borrowers, sponsors, and financial institutions across a wide range of financing transactions. Our team combines deep regulatory knowledge with commercial insight to deliver solutions that are legally sound, market-aligned, and tailored to meet the strategic objectives of our clients.

We offer legal support in all aspects of financing, including:

• Syndicated and Bilateral Lending
  Structuring, negotiating, and documenting loan agreements, including term loans, revolving credit facilities, and working capital loans, whether bilateral or involving domestic and international syndicates.
• Project and Acquisition Finance
  Advising sponsors, borrowers, and financiers in infrastructure, energy, real estate, and hospitality projects, covering risk allocation, security arrangements, and regulatory compliance throughout the financing lifecycle.
• Security Structuring and Enforcement
  Drafting and perfecting security documents such as fiduciary transfers, mortgages, share pledges, and guarantees, as well as advising on enforcement procedures and lender protections.
• Refinancing and Debt Restructuring
  Assisting in the renegotiation of loan terms, restructuring of debt obligations, and preparation of standstill or forbearance agreements, particularly in distressed or transitional periods.
• Financial Services Regulation
  Advising on regulatory compliance with Bank Indonesia, the Financial Services Authority (OJK), and other sectoral regulators, including reporting obligations, foreign exchange controls, and public company lending restrictions.
• State-Owned Enterprises and Public Sector Financing
  Supporting SOEs and their subsidiaries in loan transactions, including acting as security providers and ensuring compliance with applicable governance and regulatory frameworks.

Our experience includes representing both Indonesian and foreign clients in high-value and complex financing transactions. We are particularly adept at managing multi-party negotiations, cross-border considerations, and regulatory coordination to ensure timely and compliant execution.

With a practical understanding of Indonesia’s legal and business environment, we deliver legal strategies that support capital access, manage risk, and enable long-term financial growth.