Refine Legal is a banking and finance law firm based in Belgrade, advising financial institutions, lenders, and corporate borrowers on a wide range of banking and finance law matters in Serbia.
We advise banks, financial institutions, and corporate clients on a wide range of banking and finance transactions in Serbia and South-East Europe. Our work includes syndicated and bilateral lending, acquisition finance, project finance, and real estate finance.
We focus on structuring transactions that are both legally sound and commercially effective, supporting clients throughout the entire financing lifecycle.
Our team advises on refinancing transactions, financial restructurings, and complex multi-creditor arrangements. We assist clients in renegotiating financing terms, managing creditor relationships, and ensuring efficient execution of restructuring strategies.
We provide practical solutions tailored to both stable and distressed financial situations.
We advise on structuring security packages and collateral arrangements, including guarantees and financial collateral. Our services include regulatory advisory before the National Bank of Serbia and other competent authorities.
We also provide local law legal opinions on capacity, authority, and enforceability, supporting both domestic and cross-border transactions.
We advise on derivatives and hedging arrangements, including ISDA, CSA, and GMRA frameworks, as well as netting and close-out enforceability. Our team supports the integration of hedging instruments with loan and bond structures.
We have particular experience in complex transactions, especially in the energy and real estate sectors, where financing structures require a coordinated legal approach.
