Connect documents and transactions
Reconcile the relevant agreements with disbursements, payment movements and the calculation of the amounts claimed.
Alternative Lenders & FinTechs
Modern lending.Considered legal recovery.
Working-capital products, digital loan origination and revenue-linked payment models produce different contractual and data records. We examine how the claim can be established from those records and which legal steps may be appropriate in the individual case.
Discuss your product and handoverTypical starting points
Start with the
financing model.
The system balance needs explaining
An exported figure may not identify the contract version, payments or adjustments behind it. The supporting records need to connect.
Payment mechanics are disputed
Failed collections, variable payments or later arrangements can raise questions about the amount owed and when each payment became due.
Other parties may be liable
Personal obligations or security are intended to support recovery. Their terms, validity and extent require separate consideration.
Preparing the legal review
Connect the agreement and payment history.
We agree the scope and an appropriate transfer method with you. A general overview is enough for the first conversation.
Records for the agreed review
Applicable agreement
Contract, incorporated terms, amendments and available execution or signature records.
Payment history
Disbursements, receipts, returned payments and calculation inputs in an intelligible schedule.
Case correspondence
Arrangements, demands, objections and documents concerning other potentially liable parties.
The legal work
Turn the records
into a basis for action.
Review the contractual mechanics
Assess payment obligations, changes, notices and objections in the context of the particular financing model and facts.
Define the legal work
Prepare and carry out instructed out-of-court or court steps, with case-specific questions and agreed approval points.
Working together & reporting
Clear review steps
for digital lending.
A suitable set of records and a handover format are agreed at the outset. Unexplained items are identified before the next legal steps. Agreed reporting covers action taken, missing evidence, responses and decisions required. Recurring tasks can be organised consistently while legal assessment remains specific to each case.
Legal lead: Dr Christopher Peinemann, LL.M. (Durham), Rechtsanwalt / German lawyer.
Before instructing the Desk
Two questions to begin with.
Is an export from our lending platform sufficient?
An export can assist the review. Whether it is sufficient alongside the other records depends on how clearly the agreement, calculations and relevant events can be established.
Do we need a technical integration?
No. The handover format and communication arrangements are agreed for the engagement. This does not require or promise an API connection or an automated legal decision.
The next step
Discuss your product and handover.
Outline the financing structure, available records and the question you need addressed.
Prepare a conversationContact the Desk directly