Emma is an Associate in our Debt Finance team.
She advises clients on a wide range of debt finance transactions including real estate finance, leveraged finance and private equity, corporate acquisitions, bilateral and syndicated loans, and secured and unsecured loans. Emma’s client portfolio includes a variety of lenders (mainstream banks, PE firms, and investment funds) and commercial borrowers based in the UK and abroad.
Emma has extensive experience advising lenders and borrowers in respect of investment, acquisition, and development matters, including debt refinancing. She specialises in secured facilities for the purposes of corporate and real estate acquisition and development. Emma also has considerable experience advising private equity firms and investment funds on complex leveraged finance transactions.
Having spent five years in the Banking team at an international City firm as a paralegal, Emma joined Capital Law in June 2022, qualifying as a solicitor in March 2025 and was promoted to Associate in May 2026.
Expertise
- Acquisition & Development Finance
- Secured and Unsecured Lending
- Bilateral & Syndicated Loans
- Real Estate Finance
- Cross-border Transactions
- Leveraged Finance and Private Equity
- Non-Profit and Charitable Lending
Recent work
Chiltern Capital LLP
Assisting Chiltern on the debt finance elements of its investment in Fylde, Fresh and Fabulous (FFF), a leading specialist potato and vegetable processor, supplying many of the UK’s best-known food manufacturers, which involved advising in respect of security documents and CPs, arranging release of existing debt, and co-ordinating signing and completion.
Colico Living
Advised independent specialist development manager Colico in respect of their £26 million development facility from Downing alongside a preferred equity investment from Hame Capital in a joint venture with Colico to finance the creation of a 135-bed purpose-built student accommodation project in Bristol.
Whisper Films Limited
Advised Whisper in relation to the debt financing arrangements for the buyout of Sony’s shareholding in the business, returning the company to private ownership. Emma was responsible for negotiating lender security, co-ordinating with Whisper’s corporate advisors, dealing with the release of existing security, and generally managing and progressing the transaction.
Figurative Arts & Culture Impact
Assisting Figurative Arts & Culture Impact in relation to various social investment loans made available to the cultural and creative sector, including reviewing loan documentation and advising on security.
Novation of Convertible Loan
Advised a lender on the novation of a convertible loan originally provided to an English borrower in February 2023, documented by a deed of novation between the lender and a group of private investors. Emma also advised on the redemption of the convertible loan and the release of the associated security package to facilitate completion of the novation.
Chiltern Capital LLP
Assisting Chiltern on the debt finance elements of its investment in Kerr’s Tyres, including reviewing and negotiating security documents, managing the CP process, co-ordinating signing and completion, and supervising junior team members on corporate authorisations, and advising in respect of the subsequent acquisition of Farmer Autocare in June 2026
Chiltern Capital LLP
Advised Chiltern in relation to the debt financing for the management buyout of Burgess Farms. The transaction involved overseas security and a complex layered funding solution. Emma was responsible for managing and progressing the conditions precedent process, reviewing and negotiating lender security, co-ordinating redemption and release of existing debt arrangements, and liaising with overseas legal teams on the cross-border elements of the transaction.
New North Litigation
Advised New North Litigation Capital on the establishment of a £50 million funding line provided by alternative asset manager Pollen Street Capital. Emma led on transaction management and the conditions precedent process, including the preparation and negotiation of various CPs, as well as assisting with security arrangements.