Alton Legal Finance Law practice assists lenders, borrowers, investors and businesses with navigating the legal and regulatory landscape governing financial transactions and funding arrangements. We provide clear, commercially focused advice across a wide range of finance matters, helping clients structure transactions effectively, manage risk and achieve secure and compliant financial outcomes.

Our services include:

  • Loan and security documentation — drafting and negotiating facility agreements, mortgages, guarantees, general security agreements and personal property securities (PPSA) documentation.

  • Corporate and commercial finance — advising on business loans, acquisition finance, asset finance, mezzanine financing and shareholder funding arrangements.

  • Regulatory compliance — assisting clients to understand and comply with obligations under the Corporations Act, National Consumer Credit Protection Act and related financial services regulations.

  • Private lending and investment — preparing and reviewing documents for private loan arrangements, investment structures, convertible notes and equity funding.

  • Financial disputes and enforcement — acting in recovery actions, enforcement of securities, priority disputes and insolvent trading claims.

  • Due diligence — conducting and assessing financial, security and corporate due diligence in lending and acquisition transactions.

  • Restructuring and refinancing — advising on refinancing solutions, debt restructuring and risk mitigation strategies for distressed borrowers and creditors.

We work closely with clients to support the successful execution of financial transactions, safeguard their commercial interests and ensure their arrangements are supported by robust, practical and compliant legal solutions.

Yes. Private loans can be legally enforceable in Australia, provided there is a clear loan arrangement, repayment obligation and consideration. Written loan agreements significantly reduce dispute risk.
A guarantor’s liability depends on the terms of the guarantee. In many cases, guarantors may be directly liable for the borrower’s default.
Not necessarily. Legality depends on the nature of the loan, the parties involved, and whether the arrangement constitutes unconscionable or misleading conduct.
In some circumstances, yes. However, without a written agreement, evidentiary challenges increase. Courts may rely on bank records and communications to assess whether a loan existed.
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Our team is here to help you with all your law enquiries. Simply fill out the booking form and contact us to discuss how we can assist you.

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Blog & News

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Navigating Insolvency and Corporate Restructuring in Australia
Nykko Xue18 September 2025
When a company faces financial distress, the legal landscape shifts from growth to preservation and equitable distribution. Australian insolvency law provides a structured framework for corporate restructuring and liquidation, balancing the interests of creditors with the potential for business recovery. Understanding the mechanisms of Voluntary Administration and the risks of Insolvent Trading is essential for directors navigating turbulent economic waters to avoid personal liability and ensure the best possible outcome for stakeholders.
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Securities and Financial Products Regulation in Australia
Siwen Zhang20 August 2025
Navigating the complex landscape of Australian financial services requires more than just a business plan; it requires strict adherence to a rigorous regulatory framework designed to maintain market integrity and protect consumers. From the licensing requirements under the Corporations Act to the stringent oversight of ASIC, understanding these regulations is essential for any entity dealing in financial products or providing investment advice. Failure to comply can lead to severe civil penalties, criminal liability, and the loss of the right to operate within the Australian financial system.
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Understanding Superannuation Law and Regulatory Framework in Australia
Nykko Xue15 July 2025
Australia’s superannuation system is one of the most sophisticated in the world, yet its complex regulatory framework can be a minefield for employers, trustees, and individuals alike. From the strict compliance requirements of the SIS Act to the evolving standards of the sole purpose test, understanding the legal landscape is essential for protecting retirement savings and avoiding heavy penalties from regulators like APRA and the ATO.
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Clearing and Settlement Systems in Australia: The Mechanics of Financial Certainty
Elliana Feng9 July 2025
Financial stability in Australia relies on more than just the strength of its banks: it depends on the invisible infrastructure of clearing and settlement systems. These mechanisms ensure that when shares are traded or payments are made, the transfer of ownership and funds is final, irrevocable, and legally protected. Understanding how the RBA and ASIC regulate these systems provides essential insight into the mechanics of financial certainty in the Australian market.
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