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Advances

Recovery informed support, up-front
Front end decisions can determine enforcement outcomes
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Small issues in documentation, security or registration can materially affect enforcement options later.

Because our team works extensively in recovery and litigation, we understand where lending structures can commonly break down – and where risk could be mitigated at the outset.

This recovery informed perspective shapes how we approach every advance.

We support lenders and capital providers from instruction through to settlement, ensuring lending arrangements are structured clearly, consistently and with enforceability in mind.

Lending Due Diligence

Structured due diligence reviews that assess borrower, security and transaction risk. Our process identifies issues early and supports considered lender decisions before funds are advanced.

Loan Documentation

Preparation of lending and security documentation shaped by enforcement and recovery experience. Documents are drafted with clarity, consistency and practical operation in mind.

Security Structuring

Advice on security packages, priorities and supporting arrangements, including mortgages, caveats and personal property securities. We focus on structure, interaction and enforceability.

Settlement & Registration

Management of settlement for purchase, refinance and cash out transactions, alongside preparation and registration of security interests to support lender positions.

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News & Insights

Hear from our leaders
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Recovery

Mortgage Enforcement Lessons from Patel and Confos
Lenders need to know whether they can enforce their security and recover their money if a loan defaults. Two recent NSW Supreme Court decisions show why that depends on both the documents and the circumstances in which the borrower and guarantors signed them.
Paul Reese
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Recovery

Informed Practice – Elisabeth McGready joins Recovery Team
Private lending has evolved significantly over the past decade. As the sector has grown, lenders have increasingly sought advisers who understand not only how transactions are structured, but also how those arrangements perform when circumstances change. With expertise in structuring and documentation to enforcement and recovery, Elisabeth’s career has evolved alongside an increasingly influential and maturing private lending sector.
Summer Lawyers
Elisabeth McGready, Partner

Advances

When markets turn
Private credit lenders are operating in an environment defined by elevated interest rates, geopolitical instability and a growing risk of economic contraction, where borrower stress is no longer unusual but cyclical.
Paul Reese
Sunlit beach with waves breaking on rocks and trees along the shore

Frequently
asked questions

What advances services does Summer Lawyers provide?

How does recovery experience influence front end structuring?

Why are documentation, securities and settlement managed together?

How is Summer Lawyers’ approach to advances different?

When should a lender engage Summer Lawyers for an advance?

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