{"id":175615,"date":"2022-09-05T07:17:35","date_gmt":"2022-09-05T06:17:35","guid":{"rendered":"https:\/\/legalvision.co.uk\/?p=175615"},"modified":"2025-07-02T00:39:03","modified_gmt":"2025-07-01T23:39:03","slug":"restrictions-transfers","status":"publish","type":"post","link":"https:\/\/legalvision.co.uk\/corporations\/restrictions-transfers\/","title":{"rendered":"What Are Contractual Restrictions on Transfers in a Loan Agreement?"},"content":{"rendered":"\n<p>When inspecting a draft <a href=\"https:\/\/legalvision.co.uk\/commercial-contracts\/clauses-for-your-business-loan-agreement\/\">loan agreement<\/a>, you may not be familiar with many of its terms. One such term relates to the restrictions on transfers that enable the lender or the borrower to \u2018transfer\u2019 the loan to a third party. This article will explain how such a term might operate and what it means for your business.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Assigning Benefits<\/h2>\n\n\n\n<p>The critical thing to remember is that the law recognises a benefit in a contract as a piece of property. That is, the person that owns the benefit can give, sell, or grant security over the benefit.&nbsp;<\/p>\n\n\n\n<p>A lender may wish to assign the benefit of your loan (i.e. your repayments) to another bank. For example, banks may offload certain loans due to regulatory requirements. Additionally, your credit rating may be too low to keep you on the books. Hence, the bank can transfer the risk of default by selling the benefit of your payments to a willing buyer. In any event, the lender can sell a third party the benefit of your principal and interest payments and fees.&nbsp;<\/p>\n\n\n\n<p>Nevertheless, the circumstances under which the bank can do this are in the assignments and transfers section of a loan agreement.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Assignment and Transfer Terms&nbsp;<\/h2>\n\n\n\n<p>Before you sign the final agreement for a bank loan, the bank will present you with a draft loan agreement. One heading will contain some variation of \u2018Assignment or Transfer\u2019 and then a series of terms related to the borrower and lenders\u2019 ability to assign or transfer the loan.&nbsp;<\/p>\n\n\n\n<p>This section will usually contain several individual terms that govern:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/legalvision.co.uk\/corporations\/assignment-novation-loan-agreement\/\">assignment<\/a> and transfer by a lender;&nbsp;<\/li><li>conditions of assignment;<\/li><li>certain rights the lender has to grant security over the rights to a third party; and<\/li><li>assignment and transfer by the borrower.&nbsp;<\/li><\/ul>\n\n\n\n<p>There is no practical distinction between assignments and transfer. Its practical meaning is usually that the bank has legally sold the benefit of the loan (i.e. your repayments) to the third party. However, assignments can also refer to where the borrower grants security over the benefit. In other words, to borrow money for itself. In practice, this has no bearing on you.&nbsp;<\/p>\n\n\n\n\n<a href=\"#content-next\"\n   class=\"block p-4 mt-10 text-xl font-bold text-center text-white no-underline bg-gray-800 rounded-t-xl\">\n    Continue reading this article below the form\n    <i class=\"text-xl fa-regular fa-arrow-down\"><\/i>\n<\/a>\n<div class=\"px-6 pt-10 pb-12 mb-10 text-center bg-gray-100 rounded-b-xl sm:px-12 test\">\n    <div class=\"mb-8 text-2xl font-bold text-orange\">\n        Need legal advice?\n        <br>\n        <span class=\"text-lg not-prose\">\n                            Call <a href=\"tel:+448081968584\" class=\"not-prose\">0808 196 8584<\/a> for urgent assistance.\n                <br>\n                Otherwise, complete this form, and we will contact you within one business day.\n                    <\/span>\n    <\/div>\n\n    \n\n<div class=\"not-prose flex justify-center text-left gform_input_bg_white    \">\n    <script>\nvar 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Where the lender has lawfully transferred the benefit of a loan to a third party, the original bank can serve you notice to direct payments to the new bank.<\/p>\n\n\n\n<div  class=\"box box--icon box--info\">\n    <p>This notice will inform you which bank you now need to pay the loan to. Additionally, the right of the new bank to enforce the security may be transferred.<\/p>\n<\/div>\n\n\n\n<p>Unless you consent, any obligations the bank owes you still lie with that bank. That is to say, you can still enforce the loan agreement against the bank. However, if you consent to the transfer, the new bank now owes you obligations under the loan agreement. Nevertheless, you must direct repayments to the new bank.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Can a Borrower Assign the Benefit of a Loan?&nbsp;<\/h2>\n\n\n\n<p>A bilateral loan (i.e. a loan between you and another bank) will generally not allow you to transfer the benefit to another party unless certain conditions are met. These usually are limited to:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>you <a href=\"https:\/\/legalvision.co.uk\/corporations\/event-of-default\/\">default<\/a> under the terms of the loan; or&nbsp;<\/li><li>the bank is transferring the benefit of the loan to another entity within the bank\u2019s business.&nbsp;<\/li><\/ul>\n\n\n\n<div  class=\"box box--icon box--info\">\n    <p>The general idea is that bilateral loans involve high confidence between you and your lender. Therefore, transferring the loan might hinder the relationship it has with you as a client-borrower.<\/p>\n<\/div>\n\n\n\n<p>On the other hand, if you obtain a syndicated loan where you borrow a single facility, but there are different lenders, then the lenders will usually reserve the right to assign the loan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Key Takeaways&nbsp;<\/h2>\n\n\n\n<p>If your loan contains a term that allows the bank to \u2018transfer\u2019 the benefit of a loan, it can essentially transfer your obligation to pay back the loan to a third party. The bank will usually also give the other bank the security interest over your property. The effect is that you will now make payments to a new lender. However, any obligations the bank owes you, including making further funds available, do not leave the original bank. You can still enforce it against the bank. The exception is if you consent to a request to transfer the obligations. Most bilateral facilities do not allow the lender to transfer its benefit under the loan to a third party.&nbsp;<\/p>\n\n\n\n<p>If you need help understanding your loan agreement, our <a href=\"https:\/\/legalvision.co.uk\/business-lawyers-lp\">experienced business lawyers<\/a> can assist as part of our LegalVision membership. You will have unlimited access to lawyers to answer your questions and draft and review your documents for a low monthly fee. So call us today on <a href=\"tel:+448081968584\" class=\"AVANSERnumber dynamic-number\">0808 196 8584<\/a> or visit our <a href=\"https:\/\/legalvision.co.uk\/membership\">membership page<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1662358300538\"><strong class=\"schema-faq-question\"><strong>What is a right of transfer under a loan agreement?<\/strong><\/strong> <p class=\"schema-faq-answer\">A bank may reserve the right to transfer your obligation to pay the loan to another lender. The nature of this right will be spelled out in the loan agreement.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1662358316909\"><strong class=\"schema-faq-question\"><strong>What does it mean for my business if my loan is transferred?<\/strong><\/strong> <p class=\"schema-faq-answer\">The only practical effect is that you will now make payments to the new bank. If you default, the new bank may be able to enforce the security against you. Nevertheless, the old bank is still obligated to honour any commitments it has made to you.<\/p> <\/div> <\/div>\n<div class=\"not-prose m-feedback-prompt\">\n    <!-- Thumbs up\/down bar -->\n    <div class=\"m-feedback-prompt__main\">\n        <div class=\"m-feedback-prompt__title\">Was this article helpful?<\/div>\n        <div>\n            <!--span class=\"m-feedback-prompt__button--text\">Thanks!<\/span-->\n            <button type=\"button\" class=\"m-feedback-prompt__button m-feedback-prompt__button--yes\"\n                    data-analytics-link=\"feedback-prompt:yes\" aria-label=\"Agree\">\n                <i class=\"fa-regular fa-thumbs-up fa-3x\"><\/i>\n            <\/button>\n            <button type=\"button\" class=\"m-feedback-prompt__button m-feedback-prompt__button--no\"\n                    data-analytics-link=\"feedback-prompt:no\" aria-label=\"Disagree\">\n                <i class=\"fa-regular fa-thumbs-down fa-3x\"><\/i>\n            <\/button>\n        <\/div>\n    <\/div>\n\n    <!-- Feedback form -->\n    <div class=\"m-feedback-prompt__form\">\n        <div class=\"m-feedback-prompt__form--thanks \">\n            <div>Thanks!<\/div>\n            <p>\n                We appreciate your feedback \u2013 your submission has been successfully received.            <\/p>\n        <\/div>\n        <form id=\"contact-form\" class=\"m-feedback-prompt__form--form\" action=\"\" method=\"post\">\n            <input type=\"hidden\" id=\"authenticity_token\" name=\"authenticity_token\" value=\"9eb4f72322\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/api\/wp\/v2\/posts\/175615\" \/>            <input value=\"https:\/\/legalvision.co.uk\/corporations\/restrictions-transfers\/\" type=\"hidden\" name=\"currenturl\"\n                   id=\"currenturl\">\n            <input value=\"What Are Contractual Restrictions on Transfers in a Loan Agreement?\" type=\"hidden\" name=\"currenttitle\"\n                   id=\"currenttitle\">\n            <label>\n                <!-- display on thumbs-up -->\n                <span class=\"m-feedback-prompt__feedback m-feedback-prompt__feedback--yes\">\n                    Can you tell us <span class=\"font-semibold\">why<\/span> you found it helpful?\n                <\/span>\n\n                <!-- display on thumbs-down -->\n                <span class=\"m-feedback-prompt__feedback m-feedback-prompt__feedback--no text-lg\">\n                    How can we better improve this article?\n                <\/span>\n                <textarea name=\"feedbackmessage\" id=\"feedbackmessage\" required><\/textarea>\n            <\/label>\n\n            <div class=\"m-feedback-prompt__form--error\" id=\"form-submit-error\"><\/div>\n            <button id=\"submit-contact-form-button\" type=\"submit\" name=\"commit\" class=\"m-feedback-prompt__form--submit\"\n                    data-analytics-link=\"feedback-prompt:submit\">\n                Submit            <\/button>\n        <\/form>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>When inspecting a draft loan agreement, you may not be familiar with many of its terms. One such term relates to the restrictions on transfers that enable the lender or the borrower to \u2018transfer\u2019 the loan to a third party. This article will explain how such a term might operate and what it means for<a href=\"https:\/\/legalvision.co.uk\/corporations\/restrictions-transfers\/\">Continue reading <span class=\"sr-only\">&#8220;What Are Contractual Restrictions on Transfers in a Loan Agreement?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":13522,"featured_media":3084,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"1238,174832,2731,1731,4298,2032","_relevanssi_noindex_reason":"","editor_notices":[],"footnotes":""},"categories":[28],"tags":[20,21,736,905],"class_list":["post-175615","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-corporations","tag-small-business","tag-medium-business","tag-business-loan-agreement","tag-bank-loan"],"acf":[],"yoast_head":"<!-- This site is optimized 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