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Banking and financing law

Our lawyers handle a wide range of corporate financing transactions, representing either banking and institutional lenders or borrowers. Internationally, we are also active in Islamic finance transactions, particularly for project financing in the energy, real estate, and infrastructure sectors in France, the Middle East, and Africa.

Areas of practice

Digital assets and blockchain / Web3 law

We assist our clients in understanding and managing the legal issues related to digital assets, blockchain, Web3, NFTs, tokenization, the metaverse, Web 3.0 finance, and on-chain finance. We advise on licensing procedures for Digital Asset Service Providers (DASPs) and regulatory obligations for electronic money institutions and payment service providers. We also support clients in navigating the Pilot Regime and regulatory oversight to ensure their operations comply with applicable laws.

Banking and finance law

We provide expertise in banking law to assist financial institutions, payment service providers, and corporates with regulatory aspects of their operations. This includes obtaining licenses for service providers, compliance with payment instruments regulation, payment services, and electronic money operations. We also advise on banking liability disputes and Investment Services Provider (ISP) liability litigation.

Corporate financing

We assist banks and corporates in structuring their corporate finance transactions, designing tailored solutions to optimize their financial structure. We advise on credit facilities, factoring, cash pooling, receivables mobilization/assignment, and other financial mechanisms to support business growth.

Acquisition financing

We advise banks and borrowers on acquisition financing transactions, structuring their operations to acquire companies or assets. We ensure financing conditions are optimized and fully compliant with applicable regulations.

Leveraged financing (LBO, OBO, MBO)

We support clients in leveraged finance transactions, including Leveraged Buy-Outs (LBOs), Owner Buy-Outs (OBOs), and Management Buy-Outs (MBOs). We structure these complex operations while managing the associated risks.

Project financing (renewable energy, infrastructure)

We advise on project financing, particularly in the renewable energy and infrastructure sectors. We design appropriate legal structures, often including structured financing, to support large-scale projects.

Asset-based financing (including off-Balance sheet)

We assist banks and industrial companies in implementing movable asset financing, including securitization transactions, whether off-balance-sheet or not, and structured leasing. We also help clients identify alternative financing sources.

Real estate financing (acquisition, construction, renovation, lease financing)

We support clients in real estate financing, whether for the acquisition, construction, or renovation of properties. We implement real estate leasing solutions and structure transactions to meet specific needs, in close collaboration with notaries involved in the operations.

Unitranche financing

We advise borrowers and debt funds on unitranche financing transactions, providing a flexible alternative to traditional financing. This type of financing combines senior and subordinated debt in a single instrument, simplifying the capital structure and accelerating the financing process.

Bond financing

We assist companies in bond issuance, advising on legal, regulatory, and market aspects. We ensure that issuances comply with the requirements of institutional investors and regulatory authorities.

Mezzanine financing

We handle mezzanine financing, which supplements operations by providing additional resources between senior debt and equity. We structure these financings to meet client needs while optimizing the cost of capital.

Structured leasing

We advise our clients, both banks and corporates, on structured leasing transactions, offering tailored financing solutions for the acquisition of strategic assets, with financial and tax optimization. We assist in negotiating and drafting domestic and cross-border leasing contracts, ensuring full protection of our clients’ interests across all relevant issues.

Structured financing

We provide structured finance solutions tailored to our clients’ specific needs, combining different financial techniques to optimize the financing structure. This can include securitization, cash pooling, factoring, or receivables mobilization/assignment.

Examples of support in banking and finance Law

Advising on the establishment of a blockchain-based investment bank offering a platform for issuing and trading tokenized financial instruments (security tokens). This includes obtaining necessary authorizations, such as Investment Firm status and exemptions under the European Pilot Regime for implementing an MTF and a blockchain settlement and delivery system.

We advise several financial institutions in connection with the financing of strategic projects. Our role includes the legal and financial analysis of financing documents, drafting and negotiating loan agreements and security arrangements, and supporting our clients in compliance with French and European regulatory requirements. We assist in acquisition and project financing transactions, structuring deals to protect lenders’ interests while facilitating the deployment of financing.

Advising a private client on the creation of their investment company in France to invest in innovative French and European companies in the environmental sector. The primary goal was to launch an Initial Coin Offering (ICO) from France to raise funds for a token exchange platform dedicated to environmental assets (carbon credits or plastic credits). These tokens, issued by innovative European companies, are traded on the platform with a specific certification process. We also assisted in obtaining an AMF visa for the ICO—the first visa granted for an ICO dedicated to a major European investment project promoting environmental innovation.

Advising and assisting an online bank in the general compliance audit process conducted by the ACPR. Our work involved procedural and strategic support (anticipating each step, preparing teams, and advising on responses to the ACPR) and regulatory guidance to help banks strengthen compliance frameworks.

Advising and assisting a bank during an AMF audit on compliance with professional obligations related to its regulated activities. We supported the asset management company throughout the audit process, providing assistance during hearings, advising on evidence submission, and proposing remedial measures. We also guided negotiations with AMF teams to secure a settlement agreement.

Advising a U.S. stablecoin giant on expanding operations in France and Europe (issuing USDC and Euro Coin from France) by establishing its European hub and obtaining regulatory approval from the AMF and ACPR. This included PSAN registration, optional PSAN licensing, and authorization as an Electronic Money Issuer (EMI).

Assisting a client in reviewing and negotiating a commercial partnership with a multinational payment card company to issue and market a payment card linked to a physical cryptocurrency wallet. Our work focused on ensuring contract consistency with the client’s unregulated status, analyzing commercial terms, and advising on intellectual property protection strategies.

Assisting in obtaining regulatory authorizations, including Investment Firm status, Digital Asset Service Provider (PSAN) status, and exemptions under the European Pilot Regime for setting up an MTF and blockchain-based settlement system.

Discover our Observatory of digital transitions 2025 – Finance On-chain

 

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Deals

Deals 19 March 2026
Financing of the LBO on Phase Neutre (123 Elec): De Gaulle Fleurance advised the banking pool on the arrangement of the bank debt
Deals 2 March 2026
De Gaulle Fleurance advises lenders on financing for the Ayémé project
Deals 23 February 2026
De Gaulle Fleurance advises lenders on the financing of Cabi Group’s acquisition of Maison de l’Eleveur
Caisse d'Epargne CEPAC
Deals 9 February 2026
CAISSE D’EPARGNE CEPAC, advised by De Gaulle Fleurance, is providing €8.7 million in bank financing for “Notre Énergie Vitrolles”.

Awards

Awards
Legal 500
De Gaulle Fleurance ranked in Banking and finance: transactional work – Legal 500 Paris 2026
The Legal 500-JONATHAN SOUFFIR.jpg
Awards
Legal 500
Jonathan Souffir recognised in The Legal 500 2026
The Legal 500-Sylvie Perrin.jpg
Awards
Legal 500
Sylvie Perrin ranked in Legal 500 – 2026
The Legal 500-May Jarjour.jpg
Awards
Legal 500
May Jarjour ranked in Legal 500 – 2026
The Legal 500-Cyril Tour.jpg
Awards
Legal 500
Cyril Tour recognised in The Legal 500 2026
The Legal 500-Anne Maréchal.jpg
Awards
Legal 500
Anne Maréchal recognised in The Legal 500 2026
The Legal 500-ALBANE LANCRENON.jpg
Awards
Legal 500
Albane Lancrenon recognised in The Legal 500 2026
Awards
Legal 500
Julie Bader recognised as Other Key Lawyer in The Legal 500 2026
Awards
Legal 500
Adam Stolcz recognised as a Leading Associate in The Legal 500 2026
Awards
Chambers
May Jarjour ranking for Banking & Finance in the Chambers Global 2026
Awards
Chambers
May Jarjour ranking for Banking & Finance in the Chambers France 2026
Awards
Décideurs
De Gaulle Fleurance recognized in the Décideurs – Leaders League 2025 ranking, category: Banking and Finance
Awards
Best Lawyers
De Gaulle Fleurance recognised by the Best Law Firms™ 2026 rankings
Best Lawyer-Jean-Baptiste Santelli.jpg
Awards
Jean-Baptiste Santelli recognized in the 2026 edition of Best Lawyers France
Best Lawyer-JONATHAN SOUFFIR.jpg
Awards
Best Lawyers
Jonathan Souffir recognized in the 2026 edition of Best Lawyers France
Best Lawyer-Sylvie Perrin.jpg
Awards
Sylvie Perrin recognized in the 2026 edition of Best Lawyers France
Best Lawyer-May Jarjour.jpg
Awards
Best Lawyers
May Jarjour recognized in the 2026 edition of Best Lawyers France
Best Lawyer-Cyril Tour.jpg
Awards
Best Lawyers
Cyril Tour recognized in the 2026 edition of Best Lawyers France

Our professionals

Sylvie
Perrin
Partner
Cyril
Tour
Partner
May
Jarjour
Partner
Marilyn
Benichou
Notary - Partner

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    News

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