We also act for individuals and businesses to advise them on the security documentation supporting their financing arrangements.
Unlike many other law firms, at Coleman Greig we are committed to providing ongoing service and support for our clients and we are able to offer regular prompting to renew securities and maintain an accurate record of the status of securities.
We can help you with:
- Preparation and advice on securities
- Acting and advising on the discharge of securities
- Accurate and detailed record keeping
- Arranging settlements.
For more information, or to make an appointment at one of our offices, please contact us.
- Commercial Securities Experts
- Send an enquiry


Coleman Greig are available to service your needs no matter where you are located in NSW. Our network of offices are supported by the latest digital technology, enabling us to work with you in a way that suits you best.
Corporate Commercial Security Lawyers For Your Business Financing Needs
Beneath the surface of every loan, every credit line, lies a potential risk. You assume your agreements are solid, your position secure. But are they truly watertight under the complex lens of Australian PPSA law?
In business, strength isn’t just about growth; it’s about resilience. It’s about having robust protections in place before challenges arise. When it comes to lending and credit, that strength comes from expertly crafted commercial securities.
Are your financial foundations built on solid rock or shifting sand?
Our seasoned corporate commercial security lawyers provide the ironclad security agreements and strategic advice necessary to lend with confidence and recover effectively.
What are Commercial Securities and Why Are They So Important?
Commercial securities are powerful legal instruments granting a lender or creditor (the secured party) specific rights over a debtor’s property (the grantor) to guarantee repayment or obligation fulfilment:
- Shield Your Business from Bad Debt: Significantly reduce financial exposure through robust, legally sound security agreements.
- Secure Debt Recovery: Establish clear legal pathways to reclaim funds and assets decisively in case of default.
- Gain a Strategic Edge: Secure priority status over unsecured creditors in challenging insolvency situations, particularly under the comprehensive PPSA framework.
- Unlock Capital with Confidence: Secured lending positions your business as a lower-risk proposition, thus facilitating access to crucial finance, often on more favourable terms.
In Australia, the Personal Property Securities Act 2009 (PPSA) is the cornerstone legislation governing security interests in most forms of personal property, including stock, equipment, vehicles, and debts owed to the business.
Correctly operating within this framework provides significant advantages, but requires specialised expertise. It’s intrinsically linked to effective Business Structures & Asset Protection and plays a key role in many Business and Share Transactions.
The High Cost of Error: Why You Need Financial Securities Lawyers
Grappling with the complexities of commercial securities law, especially the PPSA, without expert legal counsel is perilous. The risks of error are immense and can have devastating financial consequences – which is why partnering with experienced financial securities lawyers is a worthwhile investment:
- Ironclad Enforceability: Our precise approach to drafting agreements means your security interests are legally robust and enforceable from inception under Australian law.
- Mastering PPSA Complexity: A seemingly minor error in PPSA registration – like misidentifying the grantor – can render your security interest completely worthless against liquidators or other creditors, leaving you at the back of the queue.
- Navigating the Legal Maze: Our deep understanding of the intricacies of different security types, priority rules, inter-creditor agreements, and the interplay between the PPSA, Corporations Act, and property law ensures your position is comprehensively protected.
- Strategic Advice & Clarity: We provide unambiguous advice on your rights, obligations, and potential risks before you commit, translating complex legal terms into clear commercial implications.
- Effective Enforcement Strategies: Should the worst-case scenario happen, we will manage the enforcement process legally and efficiently, maximising your recovery potential while guaranteeing full compliance.
Neglecting expert legal advice from corporate commercial security lawyers means gambling with your financial security. Sound Business Contracts, Agreements & Advice are essential, and securities often intersect with Commercial Property Law.
Commercial Securities in Business Finance: Fuelling Growth & Stability
Commercial securities are fundamental to the flow of capital and credit that drives business growth and stability in Australia. They provide the essential confidence necessary for financial transactions to occur smoothly:
- Unlocking Essential Funding: Accessing business loans almost invariably requires granting security over assets. Our expertise ensures these arrangements are structured fairly and effectively, facilitating access to capital needed for expansion and operations.
- Securing Supply Chains: Suppliers offering credit terms rely heavily on securities (like PMSIs under the PPSA) to protect against customer default or insolvency. This allows for smoother supply chains and potentially better negotiation power for buyers who can offer security.
- Facilitating Asset Acquisition: Financing essential equipment or vehicles is made possible through security interests held by the financier. Properly structured agreements ensure access to critical assets without unnecessarily tying up working capital.
- Strengthening Your Financial Position: Offering robust security can significantly enhance your negotiating position when seeking finance, often resulting in better terms and lower costs, providing a tangible competitive advantage. See our insights on Credit Management.
- Mitigating Creditor Risk: For businesses extending credit, transforming unsecured receivables into secured positions drastically reduces risk and improves the likelihood of recovery, protecting your bottom line. This foresight can be vital during Business Succession Planning evaluations.
Protect Your Bottom Line: Contact Our Financial Securities Lawyers Today
The cost of inadequate security documentation can be catastrophic. Don’t learn this lesson the hard way. Let Coleman Greig bolster your agreements and ensure your interests are fully protected under Australian law.
Secure My Strategic Securities Consultation
Facing a potential dispute? Explore our Commercial Litigation services.
FAQs About Commercial Securities
What are the common types of commercial securities?
Common types of commercial securities include those under the PPSA covering personal property (equipment, inventory, receivables, vehicles), mortgages over real estate (land), and personal or corporate guarantees. Under the PPSA, specific types like Purchase Money Security Interests (PMSIs) offer higher priority for suppliers.
The most appropriate type for you depends entirely on the transaction specifics. Getting expert advice from a commercial securities lawyer can help you select and implement the correct structure.
How does a business truly benefit from securing financial arrangements?
The core benefits are risk reduction and priority.
- For lenders/suppliers, it converts potential bad debt into a recoverable asset and puts you ahead of unsecured creditors in insolvency.
- For borrowers, it unlocks access to essential finance and credit, often on better terms, fuelling growth.
Realising these benefits fully hinges on legally sound documentation and registration – professional legal assistance transforms theoretical benefits into tangible financial protection.
When is it important to seek help from a financial securities lawyer?
We recommend you engage financial securities lawyers before finalising any transaction involving security:
- Lending funds or extending significant credit.
- Borrowing funds against business or personal assets.
- Being asked to provide personal or corporate guarantees.
- Signing any security documentation presented to you.
- Buying/selling major assets (to check for existing securities).
- Facing a situation requiring enforcement of security.
Proactive advice is always the most cost-effective approach.
- Search Commercial Securities Lawyers
- Send an enquiry


Coleman Greig are available to service your needs no matter where you are located in NSW. Our network of offices are supported by the latest digital technology, enabling us to work with you in a way that suits you best.
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