Counsel to lenders, borrowers, and the private capital that moves between them.
We advise principals, family offices, and private lenders on the financing arrangements, security, and disputes that institutions rarely see — structured with the discretion and precision such relationships require, across Canadian, Australian, and Gulf jurisdictions.
Areas of Practice
Each engagement is scoped to the instrument, the capital, and the relationship behind it — not a generic retainer.
Private Wealth & Family Office Lending
Acting for family offices and principals deploying capital privately — intercompany and intra-family loans, related-party financing, and lending structures that hold up to scrutiny across generations and jurisdictions.
Private Loan Agreements
Structuring and documenting private loans between principals, family offices, and closely held companies — interest terms, default provisions, and enforceability built in from the outset.
Promissory Notes & Loan Instruments
Drafting and reviewing promissory notes, demand notes, and convertible instruments, with attention to the formalities that determine whether a note holds up when it matters.
Secured Financing & Registration
Security agreements, guarantees, and registered charges against real property and personal property — including PPSA registrations and mortgage-backed lending arrangements.
Loan & Financial Disputes
Acting on default, demand, and recovery — from negotiated workouts and forbearance to enforcement proceedings and forced-sale remedies when settlement isn't possible.
Creditor & Debt Recovery
Representing trade creditors and private lenders in consolidated recovery strategy, lien registration, and court-supervised sale proceedings against defaulting debtors.
Foreclosure & Mortgage Enforcement
Acting for mortgagees and mortgagors through default, redemption negotiations, and court process — balancing commercial pressure with procedural precision.
Investment & Profit-Participation Agreements
NCNDAs, profit-participation agreements, and structured financing arrangements for private investors and capital introducers operating across jurisdictions.
Regulatory & Fraud Exposure Review
Privileged exposure review for parties concerned about counterparties, fund flows, or regulatory standing — including cross-border financial counterparties.
Cross-Border Capital, Structured for the Route It Actually Takes
Private capital rarely stays in one jurisdiction. We structure and, where necessary, enforce arrangements where the lender, borrower, security, and forum sit in different countries — drafted accordingly from the outset.
Counsel
Dhanushka (Sheran) De Zoysa
Loan Lawyer is a private lending, secured finance, and financial disputes practice.
We work with principals, family offices, private lenders, and the advisors who bring them together — drafting the instruments that make a lending relationship enforceable, and stepping in when one already has gone wrong. Matters span single-property mortgages to multi-jurisdictional financing structures touching Canada, Australia, the UAE, and the United States.
Engagements are scoped, billed transparently, and run with the discretion that principal and family office relationships require.
How We Work
Drafted to be enforced
Every instrument is written with the default scenario in mind, not only the good-faith one.
Jurisdiction-aware from the start
Choice of law, forum, and enforcement route are settled at drafting stage, not litigated later.
Discreet, by design
Principal and family office matters stay principal and family office matters. No exceptions.
Begin the Conversation
Tell us about the arrangement, the dispute, or the jurisdiction you're navigating. We'll respond directly, and plainly, on whether and how we can help.