Intercompany Loan Agreement

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🔍 What Is an Intercompany Loan Agreement?

An Intercompany Loan Agreement documents the terms of a loan between companies within the same corporate group. It sets out the principal amount, interest rate, repayment schedule, and other essential conditions, ensuring clarity, compliance, and transparency.

These agreements are commonly used to provide working capital, support expansion, or fund asset acquisitions. Without a formal agreement, intercompany loans can lead to tax complications, audit challenges, and disputes between related entities.

🔗 Create Your Intercompany Loan Agreement with Go Legal AI

⚖️ Why Do You Need an Intercompany Loan Agreement?

Intercompany loans can significantly benefit your business—if they are properly documented. A well-drafted agreement helps manage financial risks, meet legal obligations, and maintain operational efficiency.

  • Stay Compliant: Follow UK GAAP, IFRS 9, and HMRC's transfer pricing rules.
  • Clarify Terms: Avoid confusion with clear repayment schedules and interest rates.
  • Prepare for Audits: Provide a transparent, well-documented paper trail.
  • Prevent Disputes: Reduce misunderstandings with clearly defined terms.
  • Optimise Tax Position: Avoid reclassification of loans as taxable income or dividends.

💡 Did You Know?
🧠 Intercompany loans with below-market interest rates may be scrutinised by HMRC under the arm’s length principle. If interest rates are deemed too low, HMRC can adjust the terms, potentially increasing your tax liability.

🔗 Get Your Loan Agreement Template Now

🛠️ Essential Clauses for a Strong Intercompany Loan Agreement

A well-structured agreement protects your business interests and helps you comply with financial and tax regulations. Here are the key clauses to include:

1️⃣ Parties to the Agreement

Identify the lender and borrower with their official company names, registration numbers, and addresses.

Example Clause:
"This Agreement is entered into on [Date] between [Lender Name], a company registered in [Country] under registration number [Number] ('the Lender'), and [Borrower Name], a company registered in [Country] under registration number [Number] ('the Borrower')."

Tip: Use official names as registered with Companies House to avoid legal issues later.

2️⃣ Loan Amount and Purpose

State the principal amount and the reason for the loan. HMRC often scrutinises intercompany loans without clear commercial purposes.

Example Clause:
"The Lender agrees to provide the Borrower with a loan of £500,000 (Five Hundred Thousand Pounds) to fund the Borrower's new product development initiative."

Tip: A clearly defined business purpose demonstrates that the loan serves a commercial need rather than acting as disguised equity.

3️⃣ Interest Rate and Payment Terms

Specify whether the interest rate is fixed, variable, or zero. Outline how and when interest payments must be made.

Example Clause:
"The Borrower shall pay interest on the outstanding principal at a fixed annual rate of 4.5%, calculated on a 365-day year. Interest payments will be made quarterly, starting on [Date]."

Tip: Justify the interest rate using market benchmarks to demonstrate compliance with HMRC transfer pricing rules.

4️⃣ Loan Duration and Maturity Date

Indicate the term of the loan and the final repayment date.

Example Clause:
"The term of the loan shall be five (5) years from the date of this Agreement, with full repayment of the principal and any outstanding interest due by [Maturity Date]."

Tip: For longer-term loans, consider whether HMRC might reclassify the funds as equity if repayment terms are vague.

5️⃣ Repayment Structure

Describe how repayments should be made and the consequences of missed payments.

Example Clause:
"Repayments shall be made by electronic transfer to the Lender's designated account. Missed payments will incur penalty interest of 2% per month on the overdue amount."

Tip: Include a late-payment clause to protect the lender's interests and encourage timely payments.

6️⃣ Security (if applicable)

Detail any collateral provided to secure the loan.

Example Clause:
"To secure repayment of the loan, the Borrower grants the Lender a fixed charge over its receivables, as specified in Schedule A."

Tip: Ensure that any security arrangements do not conflict with existing loan agreements with third parties.

7️⃣ Governing Law and Dispute Resolution

Identify the legal framework governing the agreement and how disputes will be handled.

Example Clause:
"This Agreement is governed by and construed in accordance with the laws of England and Wales. Disputes shall be resolved through arbitration under LCIA rules."

🔗 Start Your Intercompany Loan Agreement with Go Legal AI

💡 Real-Life Examples of Intercompany Loan Agreements

🏗️ 1. Business Expansion

A UK-based parent company lends £1 million to a subsidiary to open a new distribution centre in Birmingham.

  • The loan funds are allocated for leasing a warehouse, purchasing equipment, and hiring staff.
  • A fixed interest rate of 4.5% applies, with quarterly repayments over five years.
  • The equipment serves as collateral.

💸 2. Seasonal Cash Flow Support

Company A lends £250,000 to Company B to cover operating costs during a seasonal downturn.

  • The loan is interest-free, with full repayment due within 12 months.
  • Repayments are scheduled after the peak trading season ends.
  • No security is required, as Company B has a strong repayment track record.

🛠️ 3. Equipment Purchase

A holding company provides a £750,000 loan to its manufacturing subsidiary to acquire new machinery.

  • The loan matures in seven years, with interest fixed at 5%.
  • Repayments align with cash flow projections from increased production capacity.
  • The machinery itself is used as collateral.

🔗 Download Your Customisable Loan Agreement Template

Related Legal Documents to Support Your Business

Intercompany loans often intersect with other legal and financial agreements. Here are three related documents that can help you stay organised and compliant:

📜 Loan Agreement Template

This template is designed for loans between unrelated entities, such as external lenders or business partners. It ensures that third-party loans are documented correctly, providing legal protection for both sides.

🧾 Shareholder Loan Agreement

When shareholders provide loans to a business, this document records the terms of the loan, including repayment schedules and interest rates. It helps clarify shareholder contributions while preventing misunderstandings.

✍️ Promissory Note Template

A simpler alternative to a full loan agreement, a promissory note is ideal for short-term or one-off loans within or outside the group. It outlines the amount borrowed, the repayment terms, and any applicable interest.

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Intercompany loan agreements are essential for businesses that transfer funds between group companies. Whether you're a small business or part of a larger corporate structure, understanding these agreements is crucial for ensuring financial transparency, tax compliance, and operational efficiency.

Our expert lawyers have answered the most frequently asked questions about intercompany loan agreements to help you navigate these arrangements with confidence.

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1. What Is an Intercompany Loan Agreement and Why Is It Important?

An intercompany loan agreement is a legal document that records the terms of a loan between companies within the same corporate group. It outlines the loan amount, repayment schedule, interest rate, and other conditions to ensure clarity and compliance with accounting standards and tax regulations.

Why It Matters:

  • Provides a clear audit trail for financial reporting.
  • Helps businesses comply with HMRC's transfer pricing rules.
  • Reduces the risk of misunderstandings between group entities.

💡 Did You Know?
HMRC may reclassify an intercompany loan as a dividend if it lacks commercial terms like repayment schedules and market-based interest rates.

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2. How Do You Structure an Intercompany Loan Agreement?

Structuring an intercompany loan agreement involves documenting key elements such as:

  • Loan amount and currency.
  • Purpose of the loan.
  • Repayment terms (instalments, lump sum, or flexible).
  • Interest rate and calculation method.
  • Security provisions, if applicable.
  • Governing law and dispute resolution process.

Tip: Include clauses that address potential currency fluctuations if the loan crosses borders.

3. Do Intercompany Loans Require an Interest Rate?

Yes, in most cases. UK businesses must apply an arm’s length interest rate to intercompany loans, especially when lending across borders. This ensures the transaction reflects what independent parties would agree upon and avoids tax reclassifications.

Example:
A UK parent company lends £500,000 to its French subsidiary. HMRC expects the interest rate to align with rates observed in similar external transactions.

4. What Are the Tax Implications of Intercompany Loans?

Intercompany loans can trigger several tax considerations:

  • Transfer Pricing: HMRC ensures that cross-border loans are priced at market rates.
  • Thin Capitalisation: If a company is excessively funded with debt, interest deductions may be disallowed.
  • Withholding Tax: Interest payments to foreign affiliates might attract withholding tax unless a tax treaty applies.

💡 Did You Know?
The UK’s Corporate Interest Restriction (CIR) rules cap the amount of interest a business can deduct to prevent profit shifting.

5. Can Intercompany Loans Be Interest-Free?

Yes, but they require careful documentation. HMRC may reclassify an interest-free loan as disguised equity or a distribution if it lacks a commercial rationale.

Key Considerations:

  • Document the business reason for the interest-free nature.
  • Assess potential tax impacts, especially for cross-border loans.

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6. How Should Intercompany Loans Be Recorded in Financial Statements?

Intercompany loans must be recorded as follows:

  • Lender: Loan classified as an asset.
  • Borrower: Loan recorded as a liability.
  • Interest: Recognised as income for the lender and an expense for the borrower.

Tip: Ensure the loan details appear in the notes to the accounts, especially for cross-border loans subject to transfer pricing rules.

7. How Long Can an Intercompany Loan Last?

The loan term varies depending on the agreement’s purpose. Some loans are short-term, like those for working capital, while others may last several years for infrastructure projects.

Guidance:

  • Specify the loan term clearly to avoid reclassification as equity.
  • For loans exceeding five years, consider potential changes in interest rates and regulatory requirements.

💡 Did You Know?
Loans without defined repayment schedules are often classified as equity under UK accounting standards.

8. What Happens If an Intercompany Loan Isn’t Repaid?

If an intercompany loan isn’t repaid according to the agreement:

  • Late Payment Penalties: The agreement may impose additional interest or fees.
  • Tax Implications: HMRC may view the loan as a dividend or capital contribution if it's repeatedly extended without clear repayment intent.
  • Legal Action: The lender may pursue recovery through legal channels if the loan is secured or guaranteed.

🔗 Draft Your Loan Agreement with Clear Repayment Terms

9. Are Cross-Border Intercompany Loans Treated Differently?

Yes, cross-border loans face additional scrutiny due to transfer pricing rules. HMRC ensures that international intercompany loans are priced consistently with market rates to prevent profit shifting.

Key Requirements:

  • Apply the arm’s length principle to interest rates.
  • Monitor foreign exchange impacts on principal and interest calculations.
  • Ensure compliance with double tax treaties to avoid withholding tax issues.

💡 Did You Know?
The UK has over 130 tax treaties to prevent double taxation on cross-border transactions.

10. Can Intercompany Loans Be Written Off?

Yes, but writing off an intercompany loan involves several steps:

  • Board Approval: Obtain formal approval from both companies.
  • Accounting Treatment: Recognise the write-off in the profit and loss account.
  • Tax Impact: Determine if the write-off triggers tax adjustments.

Tip: Document the commercial rationale behind the write-off to address potential HMRC queries.

11. What Is the Insolvency Risk in Intercompany Lending?

Intercompany loans to distressed subsidiaries carry insolvency risks. If a borrower enters liquidation, outstanding loans may rank behind secured and preferential creditors.

Risk Mitigation:

  • Use security or guarantees when lending to higher-risk entities.
  • Regularly monitor financial performance to detect warning signs early.

💡 Did You Know?
Go Legal AI provides Instant Risk Alerts with its trademarked Insolvency & Claims Tracker™, helping businesses stay ahead of potential risks.

12. How Does HMRC Monitor Intercompany Loans?

HMRC uses transfer pricing audits, company tax returns, and cross-border information exchange to monitor intercompany loans.

Key Documentation HMRC May Request:

  • Loan agreements with commercial terms.
  • Market benchmarking analysis for interest rates.
  • Evidence of repayments and loan purpose.

🔗 Start Your HMRC-Compliant Loan Agreement

13. What’s the Difference Between an Intercompany Loan and a Shareholder Loan?

  • Intercompany Loan: Issued between companies within a corporate group.
  • Shareholder Loan: Provided by individuals or entities holding shares in the company.

Key Distinction:
Shareholder loans often rank behind intercompany loans in insolvency proceedings unless secured.

14. How Can Small Businesses Use Intercompany Loans Effectively?

Small businesses can use intercompany loans to:

  • Consolidate financial resources across entities.
  • Fund new product development or market entry.
  • Manage short-term cash flow gaps without external borrowing.

Tip: Use a professionally drafted loan agreement to avoid regulatory issues and ensure clarity between group entities.

💡 Did You Know?
Go Legal AI offers over 5,000 customisable templates, including intercompany loan agreements, to simplify your legal documentation.

15. Can Intercompany Loans Be Repayable on Demand?

Yes, but "on-demand" loans must be clearly defined in the agreement.

Key Considerations:

  • Specify how repayment requests will be communicated.
  • Outline how interest will be calculated if repayments are delayed.
  • Be aware of potential reclassification as capital if the loan is never called in.

🔗 Get Started with Your Intercompany Loan Agreement Today

Simplify Intercompany Loan Agreements with Go Legal AI

Drafting intercompany loan agreements can feel overwhelming, especially with the need to comply with UK legal and tax requirements. Go Legal AI makes the process straightforward with:

  • 🏆 5,000+ Ready-to-Use Templates – Professionally drafted legal documents for all business needs.
  • 🤖 Award-Winning AI Legal Assistant – Get immediate answers to your legal questions.
  • ⚠️ Insolvency & Claims Tracker™ – Stay ahead with instant alerts on potential financial risks.
  • ✍️ End-to-End Legal Solutions – Access expert lawyers directly through our platform.
  • 🤝 Seamless Document Collaboration – Create, sign, and manage agreements with ease.

Ready to simplify your legal documentation?

👉 Start Your Intercompany Loan Agreement Now

Intercompany loan agreements are essential when transferring funds between companies within the same corporate group. Whether you're funding growth, managing cash flow, or acquiring new assets, a properly drafted loan agreement ensures clarity, legal compliance, and financial consistency.

Our expert lawyers have created this practical, step-by-step guide to help you draft your own intercompany loan agreement—while avoiding common mistakes that can trigger tax penalties or cause internal disputes.

🔗 Get Started with Your Intercompany Loan Agreement on Go Legal AI

⚖️ What Is an Intercompany Loan Agreement?

An intercompany loan agreement is a legal document that records the terms when one company lends money to another within the same corporate group. It sets out key details like the loan amount, repayment schedule, interest rate, and any security provided.

These agreements are vital for maintaining transparent financial records, adhering to HMRC rules, and preventing misunderstandings between group entities.

💡 Did You Know?
Intercompany loans that lack repayment terms or apply uncommercial interest rates can be reclassified by HMRC as equity or distributions—potentially triggering additional tax liabilities.

🛠️ Step-by-Step Guide to Drafting an Intercompany Loan Agreement

Follow these clear steps to create a legally sound agreement for your business.

1️⃣ Identify the Parties Involved

Begin by identifying the lender and borrower with their full legal names and company details.

✅ Identify both companies’ legal names as registered with Companies House.
✅ Include each company's registration number and official address.
✅ Specify the corporate relationship (e.g., parent-subsidiary or sister companies).

Example Clause:
"This Agreement is made between ABC Holdings Ltd (the Lender), a company registered in England and Wales under Company Number 12345678, and XYZ Manufacturing Ltd (the Borrower), a wholly-owned subsidiary of ABC Holdings Ltd."

2️⃣ Specify the Loan Amount and Currency

The agreement must state the exact amount being lent and the currency in which it will be denominated.

✅ Record the amount in both numbers and words.
✅ Confirm the currency, especially for cross-border transactions.
✅ State whether the loan is disbursed as a lump sum or in stages.

💡 Tip:
If the loan is disbursed in multiple tranches, include a schedule detailing each payment’s timing and conditions.

3️⃣ Define the Loan Purpose

HMRC closely monitors intercompany loans that don’t have a clear commercial purpose. Specify how the borrowed funds will be used.

✅ Outline the exact purpose of the loan (e.g., funding expansion, buying equipment).
✅ Include relevant context (e.g., projected returns or operational benefits).
✅ Ensure the stated purpose aligns with internal records and tax filings.

Example Clause:
"The loan shall be used exclusively to support the establishment of XYZ Manufacturing Ltd's new production facility in Leeds."

💡 Did You Know?
Loans documented with a commercial purpose are less likely to be challenged during audits.

4️⃣ Set the Interest Rate and Calculation Method

HMRC requires intercompany loans to apply a market-based, commercial interest rate.

✅ State the interest rate as a fixed or variable figure.
✅ Identify the interest calculation method (e.g., simple or compound).
✅ Reference a recognised benchmark, like the Bank of England base rate.

Example Clause:
"The Borrower shall pay interest at a fixed annual rate of 4.5%, calculated daily based on a 365-day year."

💡 Tip:
Document the rationale for your chosen rate to demonstrate compliance with HMRC's arm’s length principle.

5️⃣ Outline the Repayment Terms

Define exactly how and when the borrower must repay the loan.

✅ Specify repayment frequency (monthly, quarterly, annually).
✅ Detail the repayment method (e.g., bank transfer).
✅ State any conditions for early repayment or loan extensions.

Example Clause:
"The Borrower shall repay the loan in 12 equal quarterly instalments, starting on 30 September 2025."

6️⃣ Include Security or Collateral (if applicable)

Some intercompany loans are secured against assets to protect the lender’s interests.

✅ Identify the asset(s) being used as collateral.
✅ Detail any associated documentation (e.g., asset valuations).
✅ Confirm the security type (e.g., fixed or floating charge).

💡 Did You Know?
A floating charge over trade receivables can help secure short-term, working capital loans without encumbering fixed assets.

7️⃣ Define Late Payment Penalties

Clearly state any penalties for late or missed repayments.

✅ Specify the penalty interest rate.
✅ Clarify how penalties are calculated and applied.
✅ Include a clause for waivers in exceptional circumstances (if desired).

Example Clause:
"Any payment not received within 10 business days of its due date will incur interest at 3% per annum above the Bank of England base rate."

8️⃣ Set the Loan Term and Maturity Date

Define when the loan must be fully repaid.

✅ Specify the loan duration and final repayment date.
✅ Include provisions for extending the term if necessary.
✅ Avoid using phrases like "payable on demand" without context, as HMRC may reclassify these loans as equity.

Example Clause:
"The loan term is five (5) years, with full repayment of the principal and any outstanding interest due by 31 December 2029."

9️⃣ Establish the Governing Law and Jurisdiction

Identify the legal framework governing the agreement.

✅ Name the governing jurisdiction (e.g., England and Wales).
✅ Specify the method for resolving disputes (e.g., arbitration).
✅ For international loans, consider international arbitration rules like the LCIA.

Example Clause:
"This Agreement shall be governed by and construed in accordance with the laws of England and Wales."

💡 Tip:
For cross-border loans, consult a legal expert to confirm whether international treaties apply.

🔍 Final Checklist: Ensure Your Agreement Is Complete

Use this checklist to confirm that your agreement covers all essential components:

✅ Legal names, registration numbers, and addresses of both parties.
✅ Exact loan amount and currency, stated both numerically and in words.
✅ Clearly defined loan purpose with supporting details.
✅ Interest rate and calculation method (e.g., fixed or variable).
✅ Repayment schedule with due dates and payment instructions.
✅ Security provisions and documentation (if applicable).
✅ Late payment penalties, including applicable interest rates.
✅ Loan term, maturity date, and extension conditions.
✅ Governing law, jurisdiction, and dispute resolution process.
✅ Authorised signatures with corresponding dates.

🔗 Generate Your Intercompany Loan Agreement with Go Legal AI

🌱 Practical Examples of Intercompany Loan Agreements

🏢 1. Expansion Loan for Regional Growth

A UK-based parent company loans £1 million to its subsidiary to establish a new distribution hub in Birmingham. The agreement includes quarterly repayments and uses the warehouse as security.

Key Insight:
Clearly define the loan's purpose to ensure that HMRC views it as a genuine debt rather than a capital contribution.

💸 2. Short-Term Loan for Seasonal Inventory

A retail group lends £300,000 to its subsidiary to buy additional stock ahead of the holiday season. The loan is repayable within six months, with a 5% interest rate applied.

Key Insight:
Short-term intercompany loans should document repayment terms carefully to avoid potential tax reclassifications.

⚙️ 3. Funding for Equipment Purchase

A parent company loans £500,000 to its manufacturing subsidiary to purchase new production equipment. The loan agreement specifies monthly repayments over three years.

Key Insight:
Including depreciation schedules can help align loan repayments with expected equipment lifespan.

🔗 Start Your Customised Loan Agreement with Go Legal AI

🚨 Avoid These Common Mistakes When Drafting an Intercompany Loan Agreement

  1. Setting Uncommercial Interest Rates:
    HMRC applies transfer pricing rules to ensure intercompany loans use arm’s length interest rates. Document the market benchmarks used to set your loan's rate.

  2. Omitting Repayment Terms:
    Loans without defined repayment schedules risk being reclassified as equity, which can increase your corporation tax liability.

  3. Overlooking Cross-Border Regulations:
    International intercompany loans require careful consideration of foreign exchange rates, withholding taxes, and transfer pricing principles.

  4. Failing to Formalise Changes:
    Any amendments to loan terms should be documented through a written variation agreement to maintain legal clarity.

  5. Inconsistent Financial Reporting:
    Ensure that the loan is accurately recorded in both the lender's and borrower's financial statements to avoid audit complications.

🚀 Simplify Your Intercompany Loan Agreements with Go Legal AI

Creating a robust intercompany loan agreement doesn't need to be time-consuming or stressful. Go Legal AI streamlines the process with:

  • 🏆 Award-Winning AI Legal Assistant – Get instant answers to complex legal questions.
  • 📑 5,000+ Ready-to-Use Templates – Tailored to meet UK legal standards.
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  • ✍️ Contract Collaboration & E-Signing – Work with team members and sign agreements digitally.
  • 🤝 Access to Leading Legal Experts – On-demand support from top UK lawyers.

Start your intercompany loan agreement today and protect your business with confidence.

👉 Get Your Intercompany Loan Agreement Now

Founder, Lawyer & Mediator

Karim Oualnan, Partner

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16-10-24

Excellent experience

I had an excellent experience working with Karim. He is experienced professional , And during my court case, Karim clearly understood what I needed. he consistently responded promptly and offered clear, expert advice.
I highly recommend them to anyone in need of reliable legal services in London. Thank you karim for your outstanding support

Ilham

16-10-24

Knowledge is Power...

Happy to provide a review….this project has emanated from a foundation of passion rather than from a corporate /business orientation. Given the right financial support and human endeavour, it will emerge as a leading legal platform to support, provide and respond to those in desperate need.
The objectives Karim and his team have set out to achieve is commendable.

Preeti P

07-10-24

How to DIY a complaint against estate agents...

The lawyer advised me how to deal with my complaint myself as it is too small for GoLegal. Very useful but could have been a little slower paced so l coud have taken better notes. But very clear and helpful, thank you..

Mca

15-10-24

Reasonable, fair and trustworthy

They’ve been helping me with many cases and have always been reasonable and fair and acting in my best interests. I used many lawyers before including well known names and they all either scammed me or were negligent. These guys have saved me on more than one occasion and I recommend them without reservations

Mca

20-09-24

Excellent London Solicitors

Good, sound advice with a relatively speedy turnaround without burning a hole in the pocket. We needed a client agreement drafted at short notice with an Addendum that sat on top. Karim understood our requirements and provided expect legal guidance to achieve our objectives as economically as possible.

Would definitely recommend and use again.

Amit

17-09-24

So glad we came across Go Legal AI

So glad we came across this firm and in particular Ms Zareen as her advice and guidance were much needed through a very stressful time. We had a big visa problem that needed immediate action and we found Ms Zareen to be extremely proactive in helping us. Her work process was flawless

AP

19-08-24

Terms & Conditions in no time!

I recently used Go Legal’s platform to create business terms and conditions, and I couldn’t be happier with the experience! The process was incredibly quick and accurate—I had a fully tailored document in no time. What I loved most was how user-friendly the platform is.
The terms & conditions for my business are spot-on and professionally drafted. I felt confident that my business was covered without any unnecessary jargon. Plus, the whole experience felt accessible, with helpful guidance along the way. Highly recommend Go Legal for anyone looking to get quality legal docs in a fast and a lot cheaper way!

Martina

12-09-24

Reliable and Professional Service from Go Legal Ai

I’ve had the pleasure of working with Karim from GoLegal for the third time now, and I can’t say enough about the exceptional service I’ve received. As a startup, it’s crucial to have the right people representing you, and Karim has been a great help in setting up contracts. His expertise and attention to detail have made the process seamless every time. GoLegal has truly been amazing, and I highly recommend them to anyone in need of reliable legal services.

Carolina

12-09-24

Sole parental responsibility ground...

My stepson’s visa application was refused on sole parental responsibility ground and he is turning 18 so we decided to seek help from a professional lawyer and not to risk to apply again by ourselves because it was a critical condition. We worked with Mrs. Zareen Akhtar, a solicitor of the company, and she did her best to achieve a positive result. Fortunately, despite a previous refusal, after just three weeks his second application was successful. Zareen is a perfect professional lawyer and I definitely recommend her to anyone who has a law issue.

Faezeh

03-10-24

Karim and his team have been amazing. Thank you, Go Legal Ai

Karim and his team have been amazing in helping us to resolve a commercial dispute. The advice and approach was clear from our very first call. A dispute that had tourmented us for several years was resolved in a few weeks. From the bottom of my heart, thank you!! We would highly recommend Karim & Go Legal.

Salah

19-08-24

I utilised Go Legal and can only rate my experience with them as exceptional...

I utilised Go-Legal and can only rate Karim and his team as been exceptional.

Karim provided proper costings for our work which involved obtaining an Adjudication enforcement and winding up order against Apollo Builders Group Ltd director Syed Atif Ali.

Karim’s team were very successful and won all court cases. The company is now wound up.

Karim communicated well put in a plan to solve our legal issues and worked hard when our opponent attempted a number of deceitful acts to ruin proceedings.

I would advise going to go legal first before using other teams.

Jays

15-07-24

Karim the best solicitors I've ever seen before

Karim provided exceptional support during a challenging legal issue. His expertise, clear communication, and dedication led to a fantastic outcome. Highly recommend him for anyone needing a skilled and reliable lawyer.

Salah

15-08-24

Thanks so much Karim

Thanks so much Karim! Fast, quick and reliable as always!

Mimi

19-10-24

Easily accessible, very clear, very effective legal advice!

Karim gave me the most effective legal advice I have received in years, in a very clear manner. It is very obvious that Karim understood what I needed, and also knew exactly how to express these in ways that made perfect sense. I was able to make sensible decisions based on his advice. Karim and his Go legal team’s advice and tools being available to me at the right time mean that I can move my business forward efficiently, and with confidence.
I will definitely be using this service going forward!

Olayinka

30-05-24

Can I only give 5 stars?

Very quick first response ✅
Very quick offer of phone chat at a time to suit me ✅
Called when they said they would on a bank holiday ✅
Listened to the numerous issues ✅
Invested over four hours in discussing the issues and my options ✅
Explained everything in ways this creative type could easily understand ✅
Gave clear advice – outlined how they could help and suggested a DIY step I could take immediately ✅✅✅
Thanks Karim!
Can I only give 5 stars!

Ian

02-04-24

Exceptional work from Karim!

Karim went above and beyond to help us settle a debt dispute with a UK company that hadn’t paid us. As an international business, Karim was tremendously helpful and available to us throughout the process, even with time zone differences across our offices. We really appreciated the extended effort he took to tailor our needs! I very much look forward to working with him again and couldn’t recommend Go Legal more. Thanks so much again Karim!

Kaela

09-12-23

Highly Recommended Karim at Go Legal Ai

After months of struggling with a rather shady company and getting nowhere, I was recommended to speak with Karim at Go Legal. He was incredibly reassuring, listened to my complaint attentively, and clearly presented my options. Within a few weeks of negotiations with the opposing lawyer, Karim was able to secure a fantastic settlement for me. I was over the moon! He is calm, reassuring, and responsive. I highly recommend Karim at Go Legal to anyone in need of a good lawyer.

Lee

28-06-24

Karim thinks outside the box

Karim thinks outside the box. He has knowledge, experience and common sense. His main concern is the outcome for his client, rather than what others think the outcome should be. He challenges the status quo and gets the results.

Galina

30-05-2024

Best Lawyer Team!

I cannot speak highly enough of Karim and his team. Their dedication to their clients and attention to detail are truly remarkable. From start to finish, they demonstrated professionalism, expertise, and a genuine commitment to achieving the best possible outcome for my legal needs. I have worked with many lawyers in the past, but none have compared to the level of service and expertise provided by Karim and his team. If you’re looking for the best lawyers around, look no further. I wholeheartedly recommend them to anyone in need of legal assistance.

Digilency

26-05-2024

Honest, Transparent, Knowledgeable...

Karim sounded out my case as a free consult. I was extremely grateful to him for his honesty, integrity and wealth of knowledge. Highly recommend.

Digilency

23-08-2024

Recently had the opportunity to use Go Legal Ai

Recently had the opportunity to work with Karim and I can say that my time was worth it. Karim is someone who takes care of things instantly with constant attention to detail and perfection and the right person to work with in legal matters

Derin

12-07-2024

Amazing DIY legal platform

Karim, is personable and professional. He has a real desire to deliver the best outcome for your case. His attention to detail is next to none and constantly keeps you in the loop as a client. I trust his judgement and can’t recommend his services enough as a legal professional. You are in safe hands.

Jason

17-01-2024

Excellent Service

I have known Karim for many years and his work ethic and professionalism is excellent, similalrly throughout the team he has selected around him. His passion for his work is clear from all interactions with him and he transmits this through the quality of his work.

J A

07-07-2024

Excellent Service

Excellent service, esp from Atty Zareen. My husband’s visa was granted because of her hard work. She is very focused and gives regular updates.
I would use their service again.

Joel

21-06-2024

Karim and Aashma at Go Legal Ai

Karim and Aashma were brilliant in the way they advised us on the process during a difficult and stressful time. I can’t thank them enough for they help on the legal matter.

Darren

06-08-2024

Great work by Karim

Top of the line work done and executed by Karim. He has went out of his way in helping me settling down a lot of things in the UK. He has been helpful to us in many ways and really appreciate the effort done by him. Thank you very much, will be looking forward to get in touch again whenever there’s a legal work required. Highly Recommended firm

Darren

10-12-2023

I loved Go Legal Ai because I felt I could...

I loved Go Legal because I felt I could deposit my trust on them and they guided me through all the possibilities and process. Feeling informed made the journey more relaxed. They are very professional, empathetic and human! A rare combination nowadays. Thanks for your great work! I highly recommend.

Irina

09-01-2024

Karim's expertise and tutelage

Karim, with his sound experience in settling complex disputes, supervising that the agreements are right for you and most importantly analysing legal documents to know if you have a foot to stand on in your pursuit for justice and holding a strong case. I couldn’t recommend a more better person to help you with your needs.
Go-Legal is the way to go!

Calvin

08-12-2023

Unrivalled experience

Incredible service! He’s meticulous and most importantly doesn’t leave any stone unturned. His wealth of knowledge and experience gave me assurance and peace of mind when going through our litigation process and Karim was swift in his process from start to finish. His personable approach has made it a truly unrivalled experience!

Jay

11-05-2024

First Solicitor Firm I feel I can trust

For the first time in the last 7 years I spoke to a professional who WAS LISTENING to me so to best understand – in the short time available – what is going on and why I need to take my ex-solicitor to court.
It would feel right to have GoLegal help me with the professional negligence case, if time limitations allow to do so. Pity I did not speak to this Firm, months ago. Wow, they know what they are doing…
Conversation ended on such a positive note, thank you K. from GoLegal, thank you very much.

meS P

21-02-2024

Highly recommend Karim and his team

Highly recommend Karim and his team. It is our second time using Go Legal and we are very pleased with the result and service which continues to surpass expectations. Brilliant!

Sean

24-06-2024

I highly recommend Karim and his team!

I highly recommend Karim and his team!! I cannot recommend him highly enough. In all my years haven’t come across a better or more knowledgeable lawyer. We are grateful for his assistance and compassion.

Mesfin

23-02-2024

Karim and his team went above my expectations...

Karim and his team went above my expectations. He us diligent, sympathetic and most of all knowledgeable. His approach is very thorough and I would not hesitate to recommend him. Thank you Karim!

Miria

30-05-2024

Excellent all round

I recieved a free consultation call bang on the time agreed, from Karim, who was friendly and very professional. He listened well to all had to say, and though he couldn’t assist in this case has advised me and even sent me a link after to alternative help. Thank you Karim. A great appreciated service all round

Hannah

18-01-2024

Highly recommended for exceptional service

Karim and his team are very helpful. I mostly liked the free consultation service they offered. It helped me a lot to understand what I needed. I contacted them for immigration service and they provided an exceptional solution.

Iftekhar

09-05-2024

Karim provided a great service...

Karim provided a great service and allowed me to understand the process much more. All cases have a tremendous amount of moving parts which were well explained. Recommended.

DPM Construction

18-06-2024

Karim is very knowledgeable in his field. Great Platform

Karim is very knowledgeable in his field, gives great advice and most importantly is very easy to communicate with.

Speaking with some solicitors can be an intimidating process but Karim’s easy going approach is a breath of fresh air.

Highly recommended!

M S

02-06-2024

Excellent experience with Karim at Go Legal Ai

Excellent experience with Karim.
He was very helpful, polite and an excellent communicator. He is competent and professional
and responded always very quickly to our questions.
We highly recommend Karim.

RS

30-09-2024

Right from the start I knew we were in safe hands with Go Legal Ai

Right from the start I knew we were in safe hands, we had a consultation with Karim and discussed our case with him. We were given a clear strategy at the outset and everything panned out as he predicted. I cannot recommend Karim enough for any legal matter.

Sam

09-01-2024

Karim helped us resolve a commercial dispute...You're in safe hands

Karim helped us resolve a commercial dispute. I would highly recommend him. He’s very competent and caring throughout the process. And involved us in the decision making to get a successful outcome. You’re in safe hands.

May

08-12-2023

Best legal platform for all your legal needs

We have used several lawyers over the years Karim has been the best! He is passionate and has genuine intention to help clients get the best outcome. Always available for us whenever we need his help

Yousuf

08-12-2023

Excellent platform

Many thanks for your excellent work on my behalf, I extremely appreciate your help. You were so thorough, persistent, fair and transparent. I shall always say, I had the best possible solicitor to fight my cause. Thank you!

Evgenia

09-12-2023

Excellent legal support and advice

Karim has assisted in commercial ligitation. He was very helpful, pro active support and gave detsiled advice. I will be using their services in the future for all of my legal requirements.

Asim

24-05-2024

Grateful for an amazing DIY legal platform

We are grateful to Karim who helped our small business recover a debt within a few weeks. Very attentive even outside of normal working hours. Thank you so much!!

Gazi

26-01-2024

Impressive and exceptional service

I recently had the pleasure of working with Karim from Go Legal, and I am beyond impressed with the exceptional service I received. From the very first consultation, it was clear that Karim is deeply knowledgeable and genuinely invested in understanding every aspect of my case. His compassion and dedication to his clients are truly unparalleled.

If you’re looking for a legal firm that combines expertise with a personal touch, look no further than Go Legal. Karim and his team are truly a standout in their field, and I wholeheartedly recommend them to anyone in need of legal assistance. Their dedication to their clients’ well-being and their unwavering pursuit of justice make them an invaluable ally in any legal matter.

Raj

09-07-2024

Professional and very friendly legal platform

Karim, is very friendly and professional. We reached out for advice and process for what we believed was a contract breach issue.

Karim demonstrated a great understanding of contract law and provided invaluable guidance every step of the way – from our initial consultation to the resolution of the matter,

They took the time to thoroughly review the details of my case, patiently answered all of my questions, and provided clear and concise explanations of my options.

Thanks to their expertise, the contract breach issue was resolved efficiently and favourably.

I wholeheartedly recommend Karim to anyone in need of legal assistance. Their professionalism, expertise, and genuine care for their clients truly set them apart. If you’re facing a contract breach or any other legal challenge, look no further.

Samantha

15-04-2024

Honestly the best solicitors

Karim and his team are a god send. We have been dealing with a breach of contract construction dispute for several months which has caused us stress and anxiety. Karim was able to resolve it for us in a few weeks. Honestly the best lawyers I have come across. Diligent and well thought out advice.

Dominic

15-04-2024

Excellent all round!!!

Karim Oualnan at handled a contractual case to a successful resolution. Karim was diligent, always providing great, honest advice in which Karim always put my best interests at the forefront of his suggestions during the case. He is very reliable, trustworthy and always on hand to help. I would highly recommend Karim and look forward to working with him again in future.

Derrick

15-01-2024

Karim is a standout lawyer!

Karim is a standout lawyer! His approach is very strategic and always has the best intentions of the client in mind throughout. I would highly recommend him if you’re looking for a lawyer. You’re in safe hands!

Ceren O.

09-01-2024

Karim is an incredibly meticulous and astute lawyer!

Karim is an incredibly meticulous and astute lawyer who applies a high level of skill and intelligence to his work. There is no one else that I can think of who I would go to solve a commercial dispute due to his ability of solve problems and see the commercial angle and importance of legal issues. As is evidenced by his career so far he is very comfortable with leading on complex matters and you can trust that he will produce an excellent quality of work. He is also incredibly personable, diligent and hard-working.

Ross

13-12-2023

Karim was amazing

Karim was amazing, quick and effective just what you need. Very professional and makes it easy for you to understand everything. Always there when we need help and times of need. Worth every single penny!

Ant

09-05-2024

Absolutely super service and platform!

I received follow up legal advice from Karim that was extremely helpful and really helped me to clarify my situation and decide on my case progression

Absolutely super service.

Paul

09-07-2024

Very reactive and called within minutes. Great platform

Very reactive and called within minutes. Offered us lots of great advice which he didn’t need to offer up for free. Would recommend

Sonny

19-02-2024

Highly recommended

I have known Karim for several years and have nothing but praise for the way he conducts himself professionally. He is an outstanding Litigation Solicitor dedicated to achieving the best solutions for his clients. He is highly recommended

Khurshid

04-07-2024

Great Advice!

I recently worked with Karim at GoLegal and couldn’t be more pleased with the service I received. He provided exceptional advice regarding trademarks and offered valuable business insights. His expertise and thoroughness were evident in every interaction. I highly recommend Karim and GoLegal for anyone seeking professional and insightful legal guidance.

Kyle

30-05-2024

Professional, highly recommended

Thank you so much Karim for your Legal advice
Professional, friendly and helpful
I cannot be more grateful

Highly recommended

Angie Jo Fitness

17-01-2024

Legal Advice

It was astounding how much legal knowledge and experience Karim and the team possessed. They gave good legal advice and handled complicated legal matters with ease. Their handling of delicate situations with professionalism was admirable.

Jabel

26-05-2024

Go Legal Ai

Go-legal Ai has very professional and well mannered people who work hard to make sure your enquiries are dealt with as soon as possible.

Mar

20-02-2024

Second to none - Amazing!

Having spoken to multiple solicitors in the past few weeks I was at wit’s end, I was just as low as could be until I found Karim who gave me the confidence to keep going, his knowledge of my predicament was second to none.

James

19-06-2024

Karim gave me valuable advice and was very helpful

Karim gave me valuable advice and was very helpful
when i was unsure weather to pursue a claim for a Construction contractual dispute.

Jon

28-05-2024

Amazing service and experienced staff at Go Legal Ai

Amazing service and experienced staff. Help and advice was top quality and especially recommend Karim as giving a level of quality service above expectations. Thank you

Abdul

04-07-2024

Amazing service

Amazing service! He’s thorough and ensures no detail is overlooked. With his extensive expertise, he provided me with confidence and reassurance during our legal proceedings. Karim was efficient from beginning to end, and his friendly demeanor made it an unparalleled experience!

Zubair

12-05-2024

Karim was able to offer us some great advice

Karim was able to offer us some great advice in consultation. Very knowledgeable and considerate. Thank you Karim.

Sophie R

23-03-2024

Highly recommended lawyers

I highly recommend Karim as a commercial solicitor. While he worked on my matter, I was extremely impressed with his expertise, professionalism, and client-focused approach. He is a trusted advisor who will provide you with the expert legal advice you need to make informed decisions.

Remi

12-12-2023

Amazing in every way

I recently sought legal representation for a challenging litigation case and go-legal exceeded my expectations in every way. From the initial consultation, it was clear they were experienced and truly invested in getting the best outcome for me.

Karim, was particularly exceptional. His profound knowledge of the law and insightful strategies were invaluable throughout the process. He kept me informed, addressed all my concerns with patience and clarity, and consistently demonstrated genuineness.

Another massive thank you

SB

08-01-2024

5 stars!!

Karim and his team have been excellent in helping our company navigate the regulatory environment in the online competitions and gaming sector. His legal expertise has been invaluable in recent months, and we’re extremely grateful for his knowledge and support.

Liam

16-08-2024

Thanks from core of my heart!

I am writing to express my deepest gratitude for the service Ms.Zareen provided in securing the approval of my child’s Dependent visa following the initial refusal.

From the very beginning, her dedication and professionalism were evident. She took the time to thoroughly understand our situation, meticulously reviewed all the documents, and provided clear, concise guidance on the necessary steps to strengthen our case. Her expertise and strategic approach played a vital role in overturning the refusal.

I particularly appreciate how she maintained clear and constant communication, ensuring we were informed and reassured throughout the process ,showed remarkable attention in preparing our documents & displayed genuine compassion and understanding, which made a stressful situation much more manageable.

Thanks for her hard work and expertise.
We are incredibly grateful for the positive outcome.
Her efforts have had a profound impact on our lives, and we cannot thank you enough.
I will wholeheartedly recommend the services to anyone in need of immigration assistance, knowing they will be in the best hands.

Shah

04-08-2024

Thanks from core of my heart!

I am writing to express my deepest gratitude for the service Ms.Zareen provided in securing the approval of my child’s Dependent visa following the initial refusal.

From the very beginning, her dedication and professionalism were evident. She took the time to thoroughly understand our situation, meticulously reviewed all the documents, and provided clear, concise guidance on the necessary steps to strengthen our case. Her expertise and strategic approach played a vital role in overturning the refusal.

I particularly appreciate how she maintained clear and constant communication, ensuring we were informed and reassured throughout the process ,showed remarkable attention in preparing our documents & displayed genuine compassion and understanding, which made a stressful situation much more manageable.

Thanks for her hard work and expertise.
We are incredibly grateful for the positive outcome.
Her efforts have had a profound impact on our lives, and we cannot thank you enough.
I will wholeheartedly recommend the services to anyone in need of immigration assistance, knowing they will be in the best hands.

Shah

04-08-2024

Went above and beyond

Karim was easy to work with. Slight communication hiccup at the start, but more than made up for it with the work he did on my case. Happy with the outcome.

Jake

04-06-2024

Absolutely amazing

Karim has been so so great, he helped me throughout the whole process and even after. 100% recommended

Kd

17-06-2024

Karim has been absolutely amazing

Karim has been absolutely amazing, really helpful and responses were always really fast. I would 100% go back!

Kd

01-03-2024

Exceptional legal expertise and compassionate support

I am extremely pleased with the legal services provided by Karim and his team. Their expertise, professionalism, and prompt communication made a significant difference in my case. I also appreciated your display of empathy and understanding during a potentially stressful period for me. Your compassionate approach was truly valuable – a massive bonus for me personally. Highly recommended!

Justin

09-12-2023

Karim provided exceptional service

Karim provided exceptional service, demonstrating a high level of professionalism and competence. He was thorough, responsive, and always ensured that my needs were met promptly and efficiently. His expertise and attention to detail were evident in every interaction, making the entire process smooth and stress-free. I highly recommend Karim for his outstanding service and dedication to excellence.

TW

01-06-2024

Karim is an immaculate professional

Karim is an immaculate professional, going above and beyond to excel in his service. Couldn’t recommend highly enough!

Aman

11-12-2023

Exceptional service from Go Legal Ai

Karim was exceptional at providing me advice to my matters. He was attentive, knowledgeable and approachable. Moreover, GoLegal is a great platform for open-sourced legal information.

Antonio

30-04-2024

Go Legal Ai helped me a lot!

The owner of Go Legal helped me with the process of filing a pre-action protocol proforma and it went smoothly. I totally recommend their professionalism and also dedication.

Muizz

08-12-2023

Karim is an amazing asset to have in your corner

Karim is an amazing asset to have in your corner. Can’t recommend him and his team enough

Thomas

03-06-2024

Karim was extremely helpful and knowledgeable!

Karim was extremely helpful and knowledgeable.
Gave me sound advice on what I needed to do.

Steve

19-01-2024

Very helpful and informative

Very helpful and informative. Takes the time to address the details

Gotch

19-07-2024

Very helpful and friendly platform...

Very helpful and friendly impartial advice. Extremely thankful for the patience and time.

Louis

31-01-2024

Karim had exceptional dedication

Karim had exceptional dedication, a positive attitude and provided very helpful guidance. He constantly went above and beyond in every aspect.

Andre

08-12-2023

Great advice from the start

Great advice from the start, completely understanding & happy to discuss anything that your unsure about concerning

Robert

16-01-2024

Fantastic service given and a lot of help

Fantastic Service given and alot of help regarding ex business partner/supplier giving harassment and defamation. A cease and desist letter was recommended to resolve the issues. Definitely recommended.

Nick

17-06-2024

Exceptional platform and service throughout!

Exceptional service throughout the whole process. The information and advice provided was first class and exceeded my expectations.

Gavin

17-06-2024

I am delighted to share my heartfelt gratitude!

I am delighted to share my heartfelt gratitude and utmost appreciation for Zareen, the immigration consultant who expertly guided us through the British naturalisation process for my wife and two kids. From start to finish, Zareen’s exceptional service and unwavering confidence made an enormous difference in our journey.

Zareen’s expertise and professionalism were evident from our very first meeting. She thoroughly understood the complexities of our case and approached each challenge with a calm and positive demeanor. Her extensive knowledge of the naturalisation process and her ability to anticipate and address potential issues reassured us every step of the way.

What truly set Zareen apart was her constant communication and feedback. She kept us informed about the progress of our application, providing timely updates and constructive insights that helped us stay on track. Her positive attitude and encouraging words were a source of comfort, especially during moments of uncertainty.

Zareen’s dedication and meticulous attention to detail ensured that all our documentation was accurate and complete. Her proactive approach in preparing and submitting our application demonstrated her commitment to achieving the best possible outcome for our family.

Thanks to Zareen’s exceptional guidance, we successfully obtained British naturalisation for my wife and two kids. Her professionalism, confidence, and unwavering support made an otherwise daunting process smooth and stress-free. I wholeheartedly recommend Zareen to anyone seeking an immigration consultant who genuinely cares about her clients and delivers outstanding results.

Thank you, Zareen, for your outstanding service and for helping our family achieve this significant milestone. We are forever grateful for your expertise and support.

Aziz

09-07-2024

Professional and reliable

Karim is knowledgeable and very attentive in all details ensuring the process goes smoothly and transparent, Also very professional and reliable, throughout the process making it easier and more prompt, I definitely recommend it 🌟🌟🌟🌟🌟🌟

Rosana

17-05-2024

Excellent to have warm personable help!

Excellent to have warm personable assistance

Clare

16-10-2024

Thank you for the help!

Would highly recommend for drafting any contractual documents. Stand out firm

Ash

08-12-2023

Exceptional!!

Called in for information regarding my dissertation on civil law and was kindly provided with very useful information.

Ella

05-05-2024

Thank you Go Legal Ai!

Since I was in need of a lawyer, Karim was my go to. He was really listening to me and I felt heard. Thanks for your help

S D

02-03-2024

Great Platform!

karim gave me a call back and gave me advice on what I should do. Thank you

A Khan

12-03-2024

Very helpful!

Very helpful! Thanks Karim

MJ

26-06-2024

Free Consultation!

He listened and provided very good advise

Sola

04-07-2024

Recovered money for dispute

Great platform. Thank you Go Legal Ai

Maria

08-08-2024

Very caring and professional company

Very caring and professional company…

LJohn

12-05-2024

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