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Financial Institutions Lending

United Kingdom

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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24/05/2016
CMS UK launches Brexit check­lists
With only a month to go un­til the ref­er­en­dum on Bri­tain’s mem­ber­ship of the EU, the polit­ic­al de­bate is in­tensi­fy­ing as both the re­main and leave groups put for­ward their cases.Today, we are launch­ing...
20 January 2016
Break­fast Sem­in­ar: Im­ple­ment­a­tion of UCITS V in the UK
Dir­ect­ive 2014/91/EU (“UCITS V”) came in­to force on 17 Septem­ber 2014 and makes cer­tain changes to the 2009 re­cast UCITS Dir­ect­ive. UCITS V must be trans­posed in­to UK law by 18 March 2016. A key part...
09/11/2015
CMS Fin­an­cial Ser­vices con­tin­ues growth with key double part­ner hire
CMS is pleased to an­nounce the ad­di­tion of Jason Brooks and Thomas Lockley as part­ners to the firm’s Fin­an­cial Ser­vices & Products Team in Lon­don.Both Jason and Thomas were formerly seni­or law­yers in...
22 October 2015
Break­fast sem­in­ar - The bank in­di­vidu­al re­spons­ib­il­ity re­gime – points...
The near-fi­nal rules and guid­ance have been is­sued, and we will be look­ing at the prac­tic­al im­ple­ment­a­tion points, in­clud­ing:Al­loc­at­ing re­spons­ib­il­it­ies Design­ing state­ments of re­spons­ib­il­ity and the...
02 October 2015
Break­fast sem­in­ar - The bank in­di­vidu­al re­spons­ib­il­ity re­gime – points...
The near-fi­nal rules and guid­ance have been is­sued, and we will be look­ing at the prac­tic­al im­ple­ment­a­tion points, in­clud­ing:Al­loc­at­ing re­spons­ib­il­it­ies Design­ing state­ments of re­spons­ib­il­ity and the...
23/09/2015
Spe­cial­ist Coun­sel hire for CMS Fin­an­cial Ser­vices
CMS is pleased to an­nounce the ap­point­ment of Susann Altkem­per to the firm’s Fin­an­cial Ser­vices & Products team. Susann joins CMS as Coun­sel, hav­ing spent sev­en years as an in-house leg­al ad­visor and...
20 March 2015
FS Break­fast Sem­inars Series: Re­tail product gov­ernance (Lon­don, Ed­in­burgh)
Our next series of FS break­fast sem­inars cov­ers the top­ic of Re­tail product gov­ernance and we are host­ing events in two Lon­don ven­ues and in Ed­in­burgh. Each sem­in­ar will look at the latest de­vel­op­ments...
22 August 2014
FS Sem­in­ar: Sys­tems & Con­trols, Ed­in­burgh
Fol­low­ing the suc­cess of our two FS break­fast sem­inars in Lon­don on the top­ic of "Sys­tems and Con­trols", we in­vite you to at­tend this sem­in­ar in Ed­in­burgh at Saltire Court on 22 Au­gust. A re­cent series...
13 August 2014
FS Sem­in­ar: Sys­tems & Con­trols, Lon­don
Fol­low­ing the suc­cess of our two FS break­fast sem­inars in Lon­don on the top­ic of "Sys­tems and Con­trols", we will be re­peat­ing this sem­in­ar again in Lon­don at Mitre House on 13 Au­gust. Those who were un­able...