Banking for your business

Whether you simply need a second pair of eyes on the terms of your business overdraft or cash flow borrowing, some advice on asset finance or factoring or representation for something more complex like a Loans Markets Association (LMA) grade group multi-currency revolving credit facility, we have the expertise to help you. Getting the right advice does not need to cost the earth.

Led by a former head of banking for a large regional law firm, our team is made up of lawyers who are also corporate, transactional and commercial specialists who are dealing with businesses and business transactions day in, day out. This means you will get advice that is sympathetic to the needs and objectives of your business, at a cost effective price.

Our specialist team of solicitors can provide you with advice on:

  • corporate borrowing (from a bank, a director or shareholder, an investor or other third party lender)
  • corporate lending (by you as a business to group companies or third parties)
  • refinancing of existing banking arrangements (with the same or a different lender)
  • real estate finance (for acquisition, redevelopment or renovation of property)
  • mezzanine finance (borrowed or lent by you)
  • acquisition finance (for acquisition of a new business or to assist with a management buyout or equity release)
  • asset finance and asset backed lending/borrowing
  • factoring and invoice discounting
  • setting up or structuring a fund (to lend to others)
  • peer to peer lending and crowdfunding (setting up a platform or borrowing)

We regularly act for lenders such as banks, commercial lenders and mezzanine finance funds and borrowers such as businesses at any point in their life cycle.

We have the expertise to draft, negotiate and advise on all types of documentation, from facility agreements, director, shareholder and intra-group loan agreements, intercreditor and subordination agreements and deeds of priority to debentures, legal charges, charges over shares and other security documents.

Recent deals our team have advised on include:

  • advising a lender on a £1.2 million mezzanine lend to assist a property redevelopment project
  • advising a borrower on a £32 million refinancing of a property investment business, the lender being a European investment fund
  • advising a borrower on a £650,000 secured borrowing to fund acquisition of a trading business
  • advising individual members of a management team on personal guarantees given in connection with borrowing by their company
  • advising a high street bank in connection with a £5.6 million lend to a customer to fund acquisition of an occupied investment property
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