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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.

 
Jason Harding
Jason Harding
Partner
United Kingdom, London
Jason Harding acts for a wide range of leading financial institutions and corporates in all areas of the debt capital markets, including Eurobonds, securitisations, high-yield bonds, project bonds, collateralised...
Fiona Henderson
Fiona Henderson
Partner
United Kingdom, Aberdeen
Fiona is a Partner in the Banking Team. She acts for a range of clients including fintechs, corporates, clearing banks, funds, and private equity sponsors in relation to cross border and domestic, syndicated...
Tom Hughes
Tom Hughes
Partner
United Kingdom, London
Since completing his training contract with CMS in 2011, Tom has been an integral member of the banking practice at CMS. In 2014 he undertook a business secondment within the Structured Finance team at...
Thomas Lockley
Thomas Lockley
Partner
United Kingdom, London
Thomas Lockley is a partner in the CMS Financial Services team and specialises in advising financial institutions on regulatory matters, and corporate finance and risk transactions. Thomas advises investment...
Rita Lowe
Rita Lowe
Partner
Co-Head of Finance
United Kingdom, London
Rita Lowe is the Co-Head of the Finance Team. Rita has a wide and varied practice which includes advising stakeholders (such as banks, private equity, funds and pension trustees) on general issues with...
Bill McCaffrey
Bill McCaffrey
Partner
Head of Consumer Credit
United Kingdom, London
Bill McCaffrey is a partner in the Financial Services and Products team and Head of its Consumer Credit practice. Consistently top ranked in the Chambers UK legal directory, he is singled out for his...
Finlay McKay
Finlay McKay
Partner
United Kingdom, Edinburgh
Finlay is a partner in the Employment team, representing clients at Employment Tribunals. He has an excellent track record of successfully defending claims of discrimination. He is passionate about winning...
Simon Morris
Simon Morris
Partner
United Kingdom, London
Simon Morris has been a partner in the firm’s Financial Markets team since 1988, having joined the firm in 1980 and qualified as a solicitor in 1982. He advises a wide range of UK and overseas financial...
Jenny Nanalal
Jenny Nanalal
Partner
United Kingdom, London
Jenny Nanalal is a partner in our Financial Services team, where she advises financial institutions on capital-driven transactions and associated regulatory matters, with a particular focus on risk transfer...
Stephen Phillips
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 institutions...