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Banking & Finance

United Kingdom

The evolution of the lending and debt markets since the start of the financial crisis has left participants facing regulatory change, greater competition in the supply of debt funding, financial distress and a flight to sector specialist advice. Our banking and finance practice can help you navigate these challenges, with expertise in the full spectrum of banking and finance law. Whether you are a lender, borrower, sponsor, insolvency practitioner or debt advisor, our priority is resolving your challenges and putting your world first.

Today’s banking and finance transactions require expertise across a wide range of sectors. CMS is a top 10 global law firm with a strong sector focus. Our driver is to provide clients with pragmatic advice delivered by a multi disciplinary team. With 65 offices globally, we provide sector expertise to support clients' finance requirements and are recognised for providing clear commercial advice and getting the deal done for our clients.

Our clients range from domestic and major global corporates, funds and other financial institutions and advisors across the UK, Europe, the Middle East, Brazil, Mexico and Asia.

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Everyone we work with is just incredibly excellent at what they do. An instruction comes back to you with only those key questions that they need your input on.

Chambers, 2015

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    Asset Based Financing

    Our asset-based financing teams focus on receivables and inventory finance and structured trade finance, with a particular emphasis on oil and gas related financings. The blend of skills and the breadth of experience of our partners, coupled with our extensive European coverage through the CMS network, enable us to provide a cost-effective yet highly specialised service to our clients. We thrive on complex multi-jurisdictional transactions.

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    Asset Finance

    As a bank, owner, export credit agency, lessee, lessor, operator or portfolio manager, you face many challenges in financing assets. These challenges could include increased regulation impacting on funding availability, financial distress caused by global economic conditions and asset-specific considerations such as tax and government licensing.

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    Capital Markets & Derivatives

    The financial crisis and its aftermath have had a considerable impact on the financial markets. Our dedicated Capital Markets and Derivatives team offers a wide range of transactional and advisory services for all aspects of capital markets, derivatives, structured products and structured finance transactions.

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    Corporate Lending & Leveraged Finance

    As a lender or borrower, the increasing regulation of debt markets, combined with increasing sources of funding, poses challenges for your business. Lenders want to remain competitive without sacrificing contractual protections, while borrowers want to achieve the optimum balance of contractual flexibility and competitive pricing.

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    Energy Finance

    As a participant in the energy sector, you will need to ensure that financing arrangements are compatible with unique regulatory, cross-jurisdictional and commercial issues. We have been involved as advisers in the energy markets since market inception, and through our experience of working with funders, developers, utilities, operators and other stakeholders in the relevant industries, we can help you create corporate and financing structures that can withstand the test of time.

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    Finance Disputes

    Disputes involving financial institutions can be complex and involve vast sums. This is where our experience gained through long-standing relationships with major banks and financial institutions can deliver efficient and effective solutions for your business.

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    Financial Institutions Lending

    In utilising debt finance, financial institutions face regulatory and administrative constraints that can make it difficult to align the interests of lenders, borrowers and other interested parties. Our Financial Institutions Lending team acts for banks, alternative lenders, insurers, brokers, private equity houses, fund managers and pension funds to implement funding structures that fit in with their business goals.

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    Hotel Finance

    Hotel financing poses unique challenges, potentially combining development, real estate investment, acquisition, portfolio and cashflow-based financing. Our hotel finance team acts for lenders, developers, owners and operators across each of these fields, and helps them meet these challenges and ensure that their financing arrangements complement wider commercial agreements without compromising lender protections.

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    Islamic Finance

    Newcomers to Islamic Finance and existing participants alike face a whole host of challenges that they must successfully navigate to structure, document and complete transactions in accordance with Shariah principles. These challenges include appropriately allocating legal, commercial and Shariah risks between parties and ensuring that transactions, products and services which purport to be Shariah compliant do not breach any Shariah prohibitions.

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    Real Estate Finance

    The real estate finance market has undergone significant change in recent years, with increased regulation, the entrance of more categories of lenders and changes to documentation. At CMS, we understand the challenges that these changes pose for you, having acted for for lenders, developers, borrowers, sponsors, hedge counterparties and others on a wide range of investment and development transactions.

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    Restructuring & Insolvency

    Our dedicated team of restructuring and insolvency lawyers in England and Scotland advises all types of stakeholders involved in, or impacted by, financial restructuring and corporate insolvency situations.

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    Trade, Export & Commodity Finance

    At CMS we combine our sector expertise across fields such as energy and utilities, natural resources and agribusiness, with a wealth of experience in the full range of financing products offered to traders, exporters and producers.

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    High­lights of our ex­per­i­ence in Bank­ing & Fin­ance in...
    Law-Now: Bank­ing
    Go to the Law-Now web­site
    June 2018
    CMS in­tro­duces Private Place­ments on­line Ques­tion­naire

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    21 March 2019
    Young Pro­fes­sion­als in Is­lam­ic Fin­ance For­um: In­dustry...
    06 Jun 19
    Bank­ing and fin­ance up­date - trends and in­sight
    18/03/2019
    BIS pub­lishes up­dates on its think­ing on crypto-as­sets and CB­DCs
    Re­cently the Bank for In­ter­na­tion­al Set­tle­ment (“BIS”) pub­lished two new up­dates re­lat­ing to Fintech and crypto-as­sets: a state­ment on crypto-as­sets and the pruden­tial meas­ures firms should im­ple­ment from the Basel Com­mit­tee on Bank­ing Su­per­vi­sion.
    25 February 2019
    Care­Markets - Eth­ic­al Prac­tices In­vest­ing in ESG
    15/03/2019
    The FCA Dir­ect­ory
    On 8 March, the FCA pub­lished the long-awaited fi­nal rules on the pro­posed new Fin­an­cial Ser­vices Dir­ect­ory (the “FS Dir­ect­ory”). The in­tro­duc­tion of the FS Dir­ect­ory is ex­pec­ted to be wel­comed by firms and con­sumers alike.
    29 January 2019
    More than just Dana Gas
    15/03/2019
    Brexit up­date for fin­an­cial ser­vices firms - week end­ing 8 March 2019
    The week in out­line: There were fur­ther an­nounce­ments and pub­lic­a­tions about the fin­an­cial ser­vices (FS) reg­u­lat­ory re­gime that would ap­ply in a no-deal scen­ario i. e. if the UK leaves the EU without the trans­ition peri­od (TP) un­der the pro­posed With­draw­al.
    23 January 2019
    CMS ad­vises IPSX Group on be­com­ing a Re­cog­nised In­vest­ment...
    12/03/2019
    New Dear CEO Let­ter for P2P Crowd­fund­ing Plat­forms
    Last week the Fin­an­cial Con­duct Au­thor­ity (the “FCA”) re­leased a Dear CEO Let­ter for P2P Crowd­fund­ing Plat­forms re­quest­ing that plat­forms re­view their wind-down ar­range­ments. The Dear CEO Let­ter found that, fol­low­ing a re­cent su­per­vis­ory re­view, some P2P firms.
    21 January 2019
    CMS ad­vises group of lenders on £120m AD re­fin­an­cing
    12/03/2019
    FCA pub­lishes res­ults of its re­search in­to con­sumer at­ti­tudes to and...
    On 7 March 2019 the FCA pub­lished the res­ults of its re­search in­to con­sumer at­ti­tudes to and aware­ness of crypto-as­sets. The reg­u­lat­or had com­mis­sioned two pieces of re­search to un­der­stand both at­ti­tudes and mo­tiv­a­tions among crypto-as­set cus­tom­ers, and the.
    14 December 2018
    CMS ad­vises Bank of Ire­land on fund­ing for One Poultry...