Banking and Finance

We will guide you through what can be highly technical documentation, without losing sight of your commercial objectives.

We act in relation to commercial banking matters, including acquisition finance for corporate transactions, corporate lending, asset-based lending, venture debt and real estate finance (for both investment and development transactions), in each case across a wide range of sectors.

We have a long history of acting for entrepreneurs, high net worth individuals, family offices and owner-managed businesses, whether operating through SPVs (onshore or offshore), joint ventures, partnerships or fund structures. We often act for lenders, in particular for a number of private banks, challenger banks and alternative lenders.

We can help you to structure and negotiate effective lending arrangements and we offer a service which is tailored to suit your needs and the way you operate, whether this requires simple term loans or more complex syndicated loan facilities with appropriate security packages and priority arrangements.

We are also well versed in dealing with refinancings, restructurings, work-outs and insolvency procedures should the need ever arise.

Acquisition Finance

We advise lenders, investors and a wide range of management teams and corporate borrowers in relation to business acquisitions, management buyouts and refinancings.

Working with our colleagues in Corporate and Commercial, Employment, Tax, Real Estate and Immigration we provide business support and advice on all stages of acquisitions, from preliminary discussions to post closing. This multi-team approach helps us to identify the key issues facing our clients and allows us to deliver coordinated practical and commercial solutions.

Corporate and alternative lending

We appreciate that raising capital and building a stable financial base is important for businesses and requires expert legal advice. We are experienced in advising lenders and borrowers across a broad spectrum of corporate borrowing, alternative lending and debt restructuring and guide clients through the options and implementation.

Real Estate Finance

For real estate finance transactions we work closely with our Real Estate, Construction and Tax colleagues to deliver commercial and solution orientated advice, whether in relation to development or investment facilities. We have helped clients across a wide range of sectors, including office, retail, student accommodation, logistics, PRS/ build to rent and residential.

For each real Estate finance transaction our priority is to put together a team of business advisers to allow consideration of all applicable financing options, to incorporate your preferred commercial terms, and to complete all relevant documentation within the planned timescale.

Recent Work

  • Acting for the lender in relation to a £1.1m loan for the purpose of purchasing a hotel in Norwich
  • Acting for the borrower in relation to a £1.38m acquisition finance transaction in relation to the purchase of commercial property in North West London
  • Acting for a residential investment company in connection with the restructuring of its intra-group facilities across fifteen of its group entities
  • Acting for an alternative lender in relation to a development bridging facility secured on a mixed use development site on the South Coast 
  • Advising a developer on its £14m development facility for a mixed use scheme in London with an international bank
  • Advising a lender on its loan-on-loan facilities with a UK challenger bank
  • Advising a property development company in relation to its acquisition of a prime site in London for residential development
  • Acting for an alternative lender in relation to the provision of working capital facilities secured on a portfolio of residential care homes owned by a private equity fund
  • Acting for three offshore borrowers ultimately controlled by an Ultra High Net Worth family in relation to the £40m refinance of four super-prime properties in and around London
  • Advising a Private Family Office on its £143m multi-currency facility with an alternative lender secured on luxury real estate assets in the US, UK and Europe


Anthony Macpherson

Corporate, Commercial & Finance

Real Estate Finance


Christina Kelly

Corporate, Commercial & Finance

Real Estate Finance


Latest blogs & news

Pandemic Entrepreneurs – Setting the Pace

The COVID-19 pandemic saw a rise in entrepreneurship, with the Bank of England reporting that contrary to the typical cycle of company creations, which tend to rise in booms and decline in recessions, the number of new companies set up during the pandemic in fact clearly increased.

Lifecycle of a tech startup series: Directors' Duties

KNow Wear Limited has used the investment received to date to further develop the wearable tech product to the extent that it now has a minimum viable product with basic features to introduce to the market. The company has identified a test group of 100 consumers who will test this version of the product and provide feedback. Following the test phase the company will collate the feedback and further develop the product before releasing a final version of the product to the market.

Lifecycle of a tech startup series: Obtaining a Sponsor License

KNow Wear Limited have identified some overseas talent that they would like to hire to help to expand the business. This candidate does not currently have permission to work in the UK and therefore KNow Wear Limited is considering whether it can apply for a sponsor licence from UK Visas & Immigration (“UKVI”). Obtaining a sponsor licence, will then enable the company to go on and sponsor individuals to apply for immigration permission to work in the UK.

Lifecycle of a tech startup series: R&D tax relief

Having raised £500,000 and, in episode 8, hired a software developer, KNow Wear Limited is starting to flourish. As Ben Franklin wrote when the USA was in its infancy, nothing is certain except death and taxes. Knowledge of the UK tax system is valuable for any UK business owner, start-ups can dramatically improve their chances of success by ensuring they claim the various tax reliefs and incentives available. Episode 4 looked at the valuable tax reliefs a company can offer its investors, your focus today is on the tax relief (or repayment) available to companies carrying out research and development activities.

The journey from social media influencer to tech entrepreneur

Social media has revolutionised the way in which we interact with businesses and each other and has shown that it can be a generous friend to business owners and entrepreneurs, helping them to harness a following, build their brand and grow a worldwide customer base. 

Lifecycle of a tech startup series: Employees and Consultants

In our previous blog in our Lifecycle of a tech startup series, KNow Wear Limited secured investment of £500,000. Having completed the raise, you, Sarah and Chris have decided that you need more help in developing and marketing the product. You are looking to create two new roles in the business - the first is a Software Developer to support Sarah’s work and the second is a Head of Marketing.

Lifecycle of a tech startup series: Seed raise

Having decided in episode 4  of our lifecycle of a tech startup series on targeting angel investors to raise £500,000 investment in the business, the founders of KNow Wear Limited researched various angel investor networks which aimed to connect start-ups like yours with angel investors. You applied to pitch at a couple of events and were invited by one network to interview with them in person. The network was very impressed with the business and invited you to pitch at their next event.  

What is an Advanced Subscription Agreement?

If you are involved in investing, either as a startup or an investor, you are likely to come across an advanced subscription agreement. So what is an advanced subscription agreement and what do you need to consider when entering into one? 

Lifecycle of a tech startup series: Tax reliefs

You are aware that the Seed Enterprise Investment Scheme (SEIS) and the Enterprise Investment Scheme (EIS) are two tax incentive schemes for individuals who invest in early-stage companies. What are the key considerations when determining whether a particular investment is eligible for SEIS/EIS relief?


The discontinuation of LIBOR and phasing in of SONIA in the Sterling Markets, what do we know so far?

Global financial markets are preparing to transition away from the use of the London Interbank Offered Rate (“LIBOR”) and adopt an appropriate alternative risk free rate (“RFR”) by the end of 2021. What are the reasons for the move away from LIBOR, the progress to date in terms of identifying the Sterling Overnight Index Average (“SONIA”) as the most appropriate alternative rate in the Sterling markets, and the steps still required to be taken to ensure such markets are ready for the phasing out of LIBOR by the end of the year

£26 billion fraud: The other side of the Coronavirus Business Interruption Loan Schemes

We have previously examined how the Government’s Coronavirus Business Interruption Loan Schemes (the Bounce Back Loan Scheme (BBLS), Coronavirus Business Interruption Loan Scheme (CBILS) and Coronavirus Large Business Interruption Loan Scheme (CLBILS)(together the “Schemes”) work. A report issued by the Public Accounts Committee on 10 December 2020 highlights the darker side of the Schemes and what it is costing the UK taxpayer. 

Lifecycle of a tech startup series: Preparing to raise investment

In the last instalment we talked about the ways in which the founders of KNow Wear Limited could protect the intellectual property in their business. Since then, the business has been progressing well and our founders have been working on developing a prototype.  

Sell, sell, sell! OTS’s recommendations on the current CGT scheme

Back in July Rishi Sunak requested a review of the current capital gains tax (CGT) system. The Office of Tax Simplification (OTS) was asked by Sunak to produce a report on whether certain features of CGT distort the behaviour of individuals. 

Lifecycle of a tech startup series: Intellectual Property

In our last instalment our founders, Sarah and Chris, considered the basics in establishing their tech startup and they incorporated a company under the registered name ‘KNow Wear Limited’. 

Lifecycle of a tech startup series: The basics

Welcome back to the blog series covering the lifecycle of a tech startup, from a legal perspective.

Lifecycle of a tech startup series: Case study

Alex (tech), Andy (tech), Emer (investments) and I (investments) work alongside startups and founders day to day and thought it might to helpful to some of you out there to bring together our expertise on the legal issues that tend to arise and how we deal with them. 

COVID-19 and Covenant Breaches in Leases and Loan Facilities

As the June quarter date fast approaches and the economic impact of COVID-19 begins to be felt across all sectors, what steps should landlords be taking to vary their lease arrangements with tenants who are unable to meet their rental obligations, and could a reduction in rental income due to COVID-19 put landlords in breach of their own obligations under their loan facilities?

Bounce Back Loan Scheme: Is it a bounce back from CBILS?

This week the government announced a further loan scheme to help small and medium-sized businesses affected by coronavirus. In a reaction to the criticism received for the Coronavirus Business Interruption Loan Scheme (“CBILS”) and its implementation, the Bounce Bank Loan Scheme is promised as a simplified scheme which allows small and medium-sized businesses to borrow up to 25% of their turnover, capped at £50,000.

Has the S.O.S from startups been answered?

Since the start of the coronavirus outbreak, the UK government has launched a number of schemes offering financial support for businesses. This support includes the Coronavirus Job Retention Scheme, the Small Business Grant Fund, the Self-Employment Income Support Scheme and the Coronavirus Business Interruption Loan Scheme (“CBILS”).

Coronavirus Business Interruption Loan Scheme: A lifeline or distraction?

The grandly titled Coronavirus Business Interruption Loan Scheme (“CBILS”) was announced by Rishi Sunak as part of his first budget on 11th March.  Sunak, in the position of chancellor for only a matter of days, set out a series of plans which he claimed would represent the biggest fiscal boost to the economy in 30 years, and which were also intended to protect the UK economy from the impact of Covid-19.

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