We draft, negotiate, and advise upon all types of financing transactions across a wide variety of sectors and jurisdictions, ranging from technology, healthcare to financial services. The advice we provide also includes advising on supporting security documentation such as debentures, share charges, legal charges, and charges over IP.
Our banking reputation and skillset has resulted in our appointment to a number of banking panels, including Metro Bank, NatWest & Handelsbanken.
Asset-backed lending is a financial strategy which involves obtaining or loaning money secured by assets as collateral. This practice provides businesses and individuals to leverage their valuable assets to secure financing for various purposes, whilst providing prospective lenders with the confidence to provide the facility.
Asset-backed lending relies upon the use of tangible assets such as real estate, inventory, equipment or receivables as collateral. We are experienced in providing advice on wide range of asset-backed lending transaction including the various options for security, the perfection of such security and supporting ancillary documentation.
Acquisition finance is a specialised area of banking and finance law that involves providing funding for the acquisition of a corporate entity or its assets. We have experience handling a wide range of acquisition finance transaction, across various scales, from start-ups to LMA-based accordion financing.
Our M&A teams often work closely together with our Banking & Finance team to ensure a smooth transaction from start to finish when working on acquisition finance.
Mezzanine financing represents a hybrid between debt and equity, offering unique advantages to both lenders and borrowers.
Borrowers often require a mezzanine loan where they have exhausted funds from a primary lender but still require additional funding in order to complete a project or a development.
Our seasoned legal experts understand the intricacies of a mezzanine transaction, addressing complexities such as subordinated debt, warrants, and intercreditor agreements.
Our property finance team has experience in effectively handling transactions across a wide range of property transactions. We deliver a seamless and adaptable service that covers a broad spectrum of disciplines essential to present day real estate finance transactions. We advise on the most appropriate security solutions for our clients including bespoke finance where required.
The large team regularly acts for a variety of different lenders borrowers, developers, investors, care home owners and operators in addition to high net worth individuals
Our services includes advising on:
Working in conjunction with our colleagues in our corporate and commercial teams , we also offer advice on loan agreements, floating charges, debentures, guarantees, security over building contracts and other finance documentation.
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A lender may seek various forms of security to mitigate any risk associated with loans. The type of security depends on both the nature of the loan and the agreed terms between the parties. Some common examples include:
A debenture is often a core component of a security package for a finance transaction, it is a security document which sets out the terms on which a security provider will grant security over all, or substantially all, of its assets to secure a loan or other liabilities. Typically, a debenture will create different types of security, such as: legal mortgages, fixed and floating charges and assignments.
A representation is a statement made before the agreement is entered into, serving as an inducement for a lender to enter into the contract. A warranty is a promise or assurance and is a term of the contract itself. There is a distinction between the two terms: a representation that is incorrect would entitle a lender, as a matter of law, to terminate the contract and seek damages. Breach of a warranty does not give this right – a lender will only have a right to damages and, if the term is of fundamental importance, rescission. However, contractually, the occurrence of a breach of either would in most circumstances constitute a default event under the loan documentation.
