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Financial Institutions Lending lawyers

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.

We use our legal, commercial and technical know-how to structure and document complex debt finance transactions in these highly regulated markets, calling on the expertise of colleagues within the UK and the CMS international network in specialisms such as taxation and regulation.

Our lawyers advise on facilities agreements, security and guarantee documentation and intercreditor arrangements in the financial institutions area. They engage globally with our corporate funds, insurance, consumer credit, taxation, financial regulation, infrastructure, real estate and other teams which bring to bear their specific sector expertise in satisfying lenders’ requirements regarding underlying agreements, reports, legal opinions and further documentation.

As a consequence, our work on specialist transactions such as investor call bridge and subscription facilities, double leverage financings, co-investment facilities and funds at Lloyd’s’ transactions, in addition to more usual liquidity and acquisition financings, is well known in financial institutions lending markets in which we have grown solid, long-standing relationships with clients who consistently turn to us for advice.

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Picture of Neil James
Neil James
Part­ner
United Kingdom, London
Neil James is a partner in the International Finance Practice, and leads the firm’s asset-based financing practice. Neil is a well-known practitioner in the asset-based financing sector, and has fo...
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Ted Harrison
Part­ner
United Kingdom, London
Ted Harrison is a partner in the Finance Practice Group.  He has over twenty years of experience in domestic and cross-border corporate lending, acquisition finance, financial institutions lending ...
Picture of Sian Aitken
Sian Aitken
Part­ner
United Kingdom, Edinburgh
Siân Aitken is a partner in the Corporate Recovery team, advising insolvency practitioners, banks and corporates on restructurings, risk management, directors’ duties and all aspects of insolvency. Sh...
Picture of Jason Brooks
Jason Brooks
Part­ner
United Kingdom, London
Jason Brooks is a partner in the Financial Services and Products group.  He advises leading investment and retail banks as well as other financial institutions and corporates on a wide range of ...
Picture of Kenneth Rose
Kenneth Rose
Part­ner
United Kingdom, Edinburgh
Kenny Rose is a partner in the Corporate group with over 25 years' experience as a corporate lawyer. He specialises in M&A and corporate finance projects. He has a particularly strong track record...
Picture of Thomas Lockley
Thomas Lockley
Part­ner
United Kingdom, London
Thomas Lockley is a partner in CMS' Financial Services and Products team, specialising in derivatives, transactional (re)insurance and alternative risk and capital transfer. Thomas advises investment...
Pippa Tasker
Pippa Tasker
Part­ner
United Kingdom, London
Pippa is a partner in the Regulatory Financial Markets & Pensions Team. She advises on a wide range of regulatory and commercial issues affecting financial service providers and institutional...
Picture of Wendy Colquhoun
Wendy Colquhoun
Part­ner
United Kingdom, Edinburgh
Wendy Colquhoun is a Corporate partner with over 25 years of experience, gained in London and Edinburgh. She has particular expertise in the financial services sector acting for banks, insurers,...
Picture of Stuart Tait
Stuart Tait
Part­ner
United Kingdom, Edinburgh
Stuart Tait is a partner in the Real Estate team. Stuart is at the forefront of real estate investment and development deals in Scotland, acting for clients such as Aviva Investors, Kames Capital,...
Picture of Stephen Philips
Stephen Phillips
Part­ner
United Kingdom, Edinburgh
Stephen Phillips is a partner with over 20 years of experience in a wide range of finance transactions. He acts for both banks and borrowers in various sectors, including oil and gas, financial...