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Banking & Finance

We advise financial institutions in all aspects of their activities. Our services cover both France and international markets. We assist investment banks, retail banks, intermediaries, arrangers, insurance companies, and investment funds. We also support non-financial companies in their relationships with financial institutions. We address all their needs, whether regulatory, contractual, corporate, or litigation-related. Our lawyers regularly assist financial institutions and borrowers in structuring and negotiating structured financing, asset financing, project financing, and acquisition financing.

 

Areas of Practice

Litigation

Our lawyers handle disputes in banking, finance, and insurance, representing clients before competent courts in cases involving civil liability, credit insurance, and financial product distribution.

Structuring and Negotiating Structured Financing

We structure complex financing arrangements and negotiate optimal terms for our clients, including leveraged buyouts (LBO) and mezzanine financing. We ensure tax optimization and accurate risk management.

Asset Financing

We are involved in all types of asset financing for transport and industrial assets with banks and investment funds.

Project Financing

We support clients in financing major projects by structuring tailored solutions and managing specific insurance requirements, such as credit insurance, to secure operations.

Acquisition Financing

We structure and negotiate acquisition financing, optimizing legal and tax aspects for our clients. Our experience includes financing in sectors such as construction and real estate, covered by credit insurance policies.

Leveraged Financing

We are involved in leveraged financing transactions (LBO, MBO) to maximize returns and minimize financial risks, integrating relevant insurance coverage and ensuring tax compliance.

Mezzanine Financing

We structure mezzanine financing for specific projects, offering increased financial flexibility while effectively managing risks related to insurance and liability.

Real Estate Financing

We assist investors with real estate financing, including damage insurance and ten-year liability insurance for construction, as well as credit insurance to secure operations.

Corporate Financing

We support clients in corporate financing by structuring optimized solutions for large companies, including health insurance plans and civil liability schemes within insurance coverage.

Mergers & Acquisitions / M&A

We assist investment funds, banks and fintechs in their external growth and divestment operations, as well as in fund-raising. Our recognized expertise in regulatory matters enables us to optimize the structuring and securing of transactions.

International Arbitration

We assist clients in international arbitration proceedings, offering strategic defense in financial and insurance disputes. Our expertise covers conflicts related to insurance products and diversified contracts.

Domestic Arbitration

We also handle domestic arbitration, particularly regarding civil liability and pension fund management, ensuring tailored solutions compliant with local regulations.

ADR & Mediation

We favor alternative dispute resolution (ADR) methods and mediation to achieve amicable settlements in complex disputes, particularly in construction insurance, including damage insurance and ten-year liability coverage.

Capital Markets

We advise on capital market operations, including securities issuance and financial placements, integrating solutions for risk outsourcing and financial taxation.

Tax Law – Direct and Indirect Financial Taxation

We optimize the financial taxation of our clients, including direct and indirect taxes, for banking and insurance operations, ensuring compliance and minimizing tax burdens.

Insurance Law

We offer comprehensive expertise in insurance law, covering the distribution of life insurance, professional health insurance, and civil liability insurance products, as well as white-label product distribution partnerships. We also handle the creation and management of construction insurance policies, including damage insurance (DO), ten-year liability, and CCRD guarantees, to protect the interests of builders and developers.

Distribution

We assist clients in establishing distribution partnerships for diversified insurance products, including credit and life insurance, to develop their sales networks and strengthen market presence.

Intellectual Property

Our experts advise on managing and protecting brands within banking and insurance contracts, particularly regarding risk outsourcing and white-label product distribution.

Banking Law

We handle all aspects of banking law, from financing to credit insurance liabilities, ensuring compliance and optimizing operations for our clients.

Insurance Taxation

Our team helps clients structure their insurance operations in a tax-efficient manner, whether for life insurance contracts, health plans, or construction insurance policies, minimizing their tax liabilities.

Examples of Support

We assisted a client in a scalable operation aimed at refinancing the financial debt of a major French distributor. This transaction was structured as a bond issuance, guaranteed by certain group entities, raising significant financing and distribution issues. Our intervention included advice on structuring, drafting underlying documents, negotiating with multiple stakeholders, and organizing the closing process.

 

We advised a banking group on financing the acquisition of two companies specializing in customized professional training by a major language training provider. This transaction aimed to strengthen the group’s position by expanding its activity portfolio and consolidating its leadership in high-level professional training. We assisted our clients in structuring the financing, negotiating terms and conditions, and overseeing all phases of the transaction.

We assisted a bank acting as a loan arranger in setting up several financing tranches related to co-financing costs for a major project, provided by a network operator. These financing tranches were implemented over an extended period, involving multiple phases of deployment throughout the year.

We supported a leading stablecoin company in developing its activities in Europe, including issuing its digital currencies from France. This project involved establishing a European hub in the country and submitting regulatory applications to French authorities to obtain necessary licenses, such as registration as a digital asset service provider and an electronic money issuer license.

We regularly assisted our client in reviewing and negotiating commercial contracts with payment wallet providers, including non-regulated actors. Our mission included advising on commercial legal aspects, data protection, competition law, and regulatory compliance, particularly regarding requirements such as strong customer authentication. We supported our client’s commercial and operational teams during negotiations with these payment service providers.

Discover our Observatory of digital transitions 2024 – On-chain finance: new trends, new markets, new business models

 

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Deals

societe-generale
Deals 18 March 2025
De Gaulle Fleurance advises the lenders on the financing of Capital Export’s acquisition of a share in Symétrie, with the support of CELDA Mezzanine
Deals 10 January 2025
De Gaulle Fleurance advised Bpifrance and Caisse d’Epargne CEPAC as mandated arrangers in the financing of the 2nd largest ground-mounted photovoltaic power plant in France.
Deals 19 September 2024
De Gaulle Fleurance advised Caisse d’Epargne CEPAC and La Banque Postale in connection with the refinancing of the bank debt of a portfolio of nine solar power plants owned by Rubis Photosol
Deals 2 July 2024
Advised by De Gaulle Fleurance, Circle obtains approval as an electronic money institution (EMI) from the French supervisory authority, the ACPR

Awards

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Awards Énergie
Legal 500
Jonathan Souffir ranked in Legal 500 – 2025
The Legal 500-Jean-Baptiste Santelli.jpg
Awards Banking & Finance
Legal 500
Jean-Baptiste Santelli ranked in Legal 500 – 2025
The Legal 500-Sylvie Perrin.jpg
Awards Énergie
Legal 500
Sylvie Perrin ranked in Legal 500 – 2025
The Legal 500-May Jarjour.jpg
Awards Banking & Finance
Legal 500
May Jarjour ranked in Legal 500 – 2025
The Legal 500-Louis De Gaulle.jpg
Awards Commercial Litigation
Legal 500
Louis de Gaulle ranked in Legal 500 – 2025
Awards Tax Law
Legal 500
De Gaulle Fleurance ranked in Tax – Legal 500 2025 Switzerland

Our professionals

François
Couhadon
Partner
Aurélien
Chardeau
Partner
Matthieu
Bichon
Partner
Cyril
Tour
Partner

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    News

    Articles 6 March 2025
    Djibouti as a center for Islamic investments in the East African region
    Publications 4 October 2024
    De Gaulle Fleurance launches its Digital Transitions Observatory: on-chain finance, new trends, new markets, new business models.