Corporates must proactively manage their debt strategy to optimise their capital stack, acquisition plans and working-capital requirements. We deliver commercially focussed legal advice on all aspects of debt financing.

We advise corporate borrowers and lending platforms on loan agreements and accompanying security arrangements, particularly in the context of corporate acquisitions. We also advise borrowers and bank and non-bank lenders on other financing transactions, in particular real estate financings, asset-based transactions and receivables financings. We are noted for our expertise in advising lending platforms on product documentation, and their funding lines.

Clients instruct us for our commercial approach to negotiations and pricing.

Banking & debt finance expertise

  • Asset-based lending
  • Banking litigation
  • Bond financing
  • Debt portfolio sales
  • Facility agreements
  • Financial regulatory law
  • Guarantees (personal & corporate)
  • Leveraged & acquisition finance
  • Real estate finance
  • Receivables finance
  • Restructuring & insolvency
  • Security arrangements
  • Security trustee advice
  • Structured finance
  • Asset-based lending
  • Banking litigation
  • Bond financing
  • Debt portfolio sales
  • Facility agreements
  • Financial regulatory law
  • Guarantees (personal & corporate)
  • Leveraged & acquisition finance
  • Real estate finance
  • Receivables finance
  • Restructuring & insolvency
  • Security arrangements
  • Security trustee advice
  • Structured finance

Banking & debt finance experience

  • Acted for a security trustee on several public and private bond issuances.

  • Acted for a family office on the negotiation of a $70 million property acquisition facility from Credit Suisse.

  • Acted for a large SME lender on its new product range, including a spot invoice discounting product and a working capital advance product.

  • Acted for several direct lending platforms, both in the consumer and SME finance space, on forward-flow funding lines and different types of debt facilities.

  • Acted for BillFront, a lender to high-tech companies in the App marketing sector, on its standard-form lending and security documentation.

  • Advised on a syndicated facility made available by the European Bank of Reconstruction and Development.

  • Advised Asian Bank of Development in respect of $50 million term facilities to three Armenian banks.

  • Advised a UK publishing company on its COVID loan facility from HSBC and the restructuring of its previous security arrangements.

  • Advised several US parent corporations on the cross guarantees and other security to be provided by their UK subsidiaries.

Banking & debt finance FAQs

Yes, we can advise on all parts of secured debt financings, from the main financing documents, to guarantees, security and intercreditor arrangements. Our team has a strong overview of prevailing ‘market’ terms for both borrowers and lenders for a variety of debt products.

Yes, we act for lending platforms on all kinds of funding structures, from forward-flow funding lines to private placements. We can advise on all levels of the capital stack, from senior funding, to mezzanine funding and equity instruments.

The bank will likely have recourse to your personal assets, and in some instances this could include your home. Before providing a personal guarantee of any kind, it is always important to seek independent legal advice.

It is not uncommon for intra-group security to be provided when debt is being incurred at the parent level, but there are rules which make these arrangements unlawful for certain types of share acquisition (depending on whether the subsidiary or the parent is a public company). We can advise you on whether these rules apply, and if not, structuring and drafting the debt and security arrangements, including the relevant corporate approvals required from the UK subsidiary.

"They worked very well on our behalf and on a very tight deadline."


Chambers UK 2020

"Takes the time to understand clients' business and is responsive and easy to work with."


Legal 500 2020

"A good group of well-trained and responsive associates and knowledgeable and pragmatic partners."


Legal 500 2020

Search

Portfolio
Title CV Email

Remove All

Download


Click here to email this list.