The emergence of non-bank lenders in the wake of the 2008 financial crisis transformed the UK capital markets for investors, business and the regulator alike.

We provide a holistic service to lending platforms, both established and new-entrants, advising on initial corporate structure and set-up, product terms (both regulated and unregulated), capital raising, debt funding lines, IP protection and compliance issues.

Clients instruct us for our market-leading lending platform practice, and our approachable, commercially-minded lawyers.

Lending platforms expertise

Lending platforms experience

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

  • Advised Prodigy Finance on regulatory and consumer credit matters.

  • Advised Go Car Credit on a £10m senior revolving credit facility from Paragon Bank to fund consumer car finance loans.

  • Advised Balderton Capital on their investments into CrowdCube, Prodigy Finance, GoCardless, Nutmeg, Revolut and, more recently, Zego, Dinghy and Cleo.

  • Advised FinLeap, a global fintech company builder, on its portfolio of businesses including BillFront, a lender to high-tech companies in the App marketing sector.

  • Advised Fly Now Pay Later on senior and mezzanine revolving credit facilities from Shawbrook Bank and BCI Finance to fund point-of-sale consumer loans in the travel industry.

  • Advised Lending Works Limited, the peer-to-peer lending platform, on the issue of c.£2m convertible loan notes from existing investors Maven Capital Partners, NVM Private Equity, Pollen Street Capital and a small number of business angels.

  • 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.

  • Advisor over 20 P2P lending platforms, providing regulatory advice, product terms, acting on debt funding lines, capital raisings, data protection, IP and employment issues.

Lending platforms FAQs

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.

We provide specialist support to clients facing complex enquiries from Supervision and / or a referral to Enforcement. We also conduct internal investigations following, for example, a whistleblower raising a concern regarding a financial irregularity, and we advise upon the immediate actions including self-reporting to the relevant authorities.

We provide legal advice, whenever you need it. If you need day-to-day compliance services instead, we can introduce you to compliance consultants. If you need a combination, we will work closely with your compliance advisors, so that nothing falls between us, nothing gets done twice, everyone plays to their strengths, and you get the best possible value for your money.

Yes, we are recognised by the legal directories as a leading law firm on advising on the raising of equity finance, and we have assisted both investors and companies in various sectors on their funding rounds.

"State of the art understanding of fintech, an extremely fast-moving sector."

Legal 500 2020

"Excellent industry knowledge and experience across a strong team."

Legal 500 2021

"Excellent knowledge of the market place and sector. Commercial and timely advice. The team have spent time getting to know our business to ensure that the advice provided suits our business needs and appetite for risk."

Legal 500 2021


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