Secured credit agreements require additional legal work and, as a rule, the types of credit agreements offered by banks or large financial institutions are not negotiable, take it or leave it in relation to the clauses contained in these contracts. We can advise you on whether there is room for negotiation and, if not, on the full effects of these legal documents, often written in obscure and confusing language. We can assure you that you understand the benefits and risks of any agreement and help protect your interests, whether you are starting a short and simple credit agreement or a very complex loan package. A secured loan is granted when the loan is secured against an asset. If the loan is not repaid, the lender can repay the loan by requisitioning the asset. . . .