Services
Diverse agency and fiduciary roles
We support M&A, Project Finance, Debt Restructuring, Structured Finance and other complex transactions locally and globally.
Loan Administrator
At Lumen Trust, we act as Loan Administrator, managing the operational and administrative aspects of loan and financing agreements.
Our role is to streamline communication among lenders, borrowers and other stakeholders, ensuring that every stage of the transaction is handled with clarity, control and confidence.
Our responsibilities include:
- Tracking deadlines, payments and contractual obligations;
- Managing the flow of funds between the parties;
- Calculating and updating outstanding amounts;
- Sending formal notices and communications;
- Supporting the management of events such as defaults, waivers or restructurings, when needed.
We operate in a neutral, technical and non-discretionary manner, always focused on safeguarding the integrity of the transaction and bringing predictability to all parties involved.
Collateral Agent
At Lumen Trust, we act as a Collateral Agent, responsible for the formalization, administration and monitoring of collateral in structured transactions — always with neutrality, strong commitment and transparency.
Our role is to ensure that all security instruments are properly established, updated and protected throughout the life of the transaction. In an event of default, we also manage the enforcement process in accordance with the agreement.
Our responsibilities include:
- Reviewing and formalizing the collateral;
- Safekeeping of documents and agreements related to the collateral;
- Ongoing monitoring of deadlines, insurances and ancillary obligations;
- Effective communication with all stakeholders;
- Coordination and technical response in case of default or restructuring.
Whether in local deals, under the Brazilian Law No. 14,711/2023 (“Marco Legal das Garantias”), or in cross-border transactions, our focus remains the same: ensuring security, operational efficiency and trust in the management and enforcement of collateral, protecting the interests of the transaction.
Account Administrator / Escrow Agent
At Lumen Trust, we act as Account Administrator, providing secure and transparent management of funds linked to financial transactions, based on clearly defined and strictly followed contractual terms.
We are responsible for managing escrow accounts for each deal, ensuring that funds are only released in accordance with the contractual conditions agreed among the parties.
Our responsibilities include:
- Receiving and controlling funds;
- Releasing payments based on contractual events or instructions;
- Periodic reporting of account activity;
- Acting as a neutral and independent third party, ensuring full transparency and control.
Whether in local or cross-border transactions, whether in BRL or foreign currency, our role is to ensure efficiency, predictability and precision in the execution of the transaction’s financial flows.
Calculation And Monitoring Agent
At Lumen Trust, we serve as Calculation and Monitoring Agent, ensuring accurate calculation of contractual metrics and ongoing tracking of obligations, with focus on transparency, independence and technical precision.
We are responsible for performing the calculations required under the agreements and monitoring compliance with Financial and Non-Financial Covenants, providing clarity and predictability to all parties involved.
Our responsibilities include:
- Calculating key ratios such as debt/EBITDA, interest coverage and others;
- Monitoring periodic obligations and contract-based events;
- Determining amounts due and tracking payment flows;
- Issuing technical reports and notifications to stakeholders.
Whether in local or cross-border transactions, our mission is to ensure clarity and confidence in the performance of contractual structures, supporting the integrity and success of the transaction.
Paying Agent
At Lumen Trust, we serve as Paying Agent, responsible for organizing and executing the financial flows of the transaction with security, transparency and accuracy.
We receive funds from the borrower or originator and distribute them to creditors/lenders, companies or service providers according to the terms and schedules established in the agreements. With rigorous control and a neutral role, we ensure that all payments are made correctly and on time.
Our responsibilities include:
- Processing and distributing funds in accordance with the agreements;
- Executing schedules for amortizations, interest, fees and other payments.
- Managing escrow accounts and issuing movement reports;
- Communicating with stakeholders.
Whether in local or cross-border transactions, our mission is to ensure that the financial flows of the transaction are carried out with efficiency, traceability and trust.
Intercreditor Agent
In complex structures involving multiple lenders, Lumen Trust acts as Intercreditor Agent, coordinating the relationship among creditors in a neutral, technical and secure manner.
Our role is to represent the creditors as a unified group, ensuring compliance with the rules agreed among them, especially in syndicated loans, layered debt structures or during restructuring and enforcement scenarios.
Our responsibilities include:
- Formal and strategic representation of creditors before the borrower and guarantors;
- Coordination of voting processes, collective decisions and communications;
- Implementation of the Intercreditor Agreement terms;
- Technical support in critical situations.
With independence, discretion and deep market expertise, we ensure Balance, Predictability and Trust Among Creditors, even in the most complex and sensitive transactions.
Extrajudicial Enforcement of Guarantees
Lumen Trust supports the Extrajudicial Enforcement of Guarantees, managing the entire process with technical precision, security and full compliance with Brazilian’s “Marco Legal das Garantias” (Law No. 14,711/2023).
In cases of default, we act to ensure the efficient enforcement of secured assets without resorting to judicial proceedings, always in accordance with the contractual terms and priority rules agreed among the parties.
Our services include:
- Review and preparation of the enforcement process in coordination with specialized legal counsel to be engaged;
- Notification of the parties and monitoring of legal deadlines;
- Reporting, accounting and distribution of proceeds to the creditors.
With fiduciary responsibility and technical expertise, we deliver a Secure and Transparent Process that supports effective credit recovery in structured transactions with secured collaterals.
Advisory Services – Technical Support
Lumen Trust provides specialized technical advisory services in transactions, activities and services required in the financial and capital markets, as well as in debt restructurings and judicial or extrajudicial recovery processes.
Our approach combines strategic insight with technical execution, supporting creditors, obligors and investors in the structuring, administration and optimization of credit transactions and financial assets.
Lumen Trust contributes to safer decision-making, risk mitigation and greater efficiency in managing complex financial structures.
Our areas of support include:
• Technical and operational diagnostics of credit structures;
• Monitoring and reorganization of collateral and payment flows;
• Assistance in debt renegotiation and restructuring processes;
• Technical coordination among agents, legal advisors and stakeholders;
• Implementation of contractual governance and control best practices.
We act in an independent, technical and collaborative manner, adding value to transactions and strengthening confidence and predictability throughout the entire financial lifecycle.