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Debt Finance

We are experienced debt finance solicitors, advising lenders and borrowers across the full range of transactions, working to deliver pragmatic solutions

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Our debt finance solicitors make complex situations simpler.

Effective debt finance structuring and well drafted loan documentation are critical in determining borrowing capacity, enforceable lender rights and future flexibility. Where terms are unclear or poorly structured, transactions can slow, risk can increase and positions can be harder to protect.

As experienced debt finance solicitors, we advise lenders, corporates and private equity clients across the full spectrum of debt finance products and transactions. We structure documentation and transaction strategy to safeguard your position and deliver outcomes that work in practice.

Our banking and debt finance lawyers lead complex funding structures and time critical transactions with a clear assessment of risk, covenant discipline and priority mechanics. Acting for lenders and borrowers alike, we identify pressure points early and align legal mechanics with commercial objectives.

Our team includes experienced corporate debt lawyers who coordinate sophisticated lending structures and cross border matters, maintaining control over covenant packages, priority structures and exit pathways.

Where transactions encounter difficulty, we provide practical support, guiding lenders and businesses through restructuring, refinancing and enforcement scenarios. Our debt finance expertise covers acquisition and leveraged finance, real estate and asset finance, development finance, cross border and international transactions, refinancings and restructuring, public sector finance, and corporate and syndicated lending and borrowing.

Expertise

  • Acquisition and leveraged finance
  • Real estate/asset finance
  • Development finance
  • Cross-border and international transactions
  • Refinancings, restructuring and distressed debt
  • Public sector finance
  • Corporate and syndicated lending/borrowing
  • Non-performing loan sales and trading

Meet the team

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Testimonials

  • The debt finance team at Capital Law have been instrumental in helping us on many of our leveraged finance transactions, across our private funds. The team’s depth of knowledge, professionalism and commitment to client satisfaction are outstanding. Throughout our partnership, Capital Law have been more than just legal advisors, they are our trusted partners.

    Rebecca Sinclair | Senior Investment Manager
    WestBridge LLP

  • I have always been thoroughly impressed by the professionalism and dedication exhibited by Capital Law. However what I am more grateful for is the relationship built up with the members of the Banking and Property teams in particular. The commitment to understanding our needs and providing tailored advice has been invaluable. It can be rare to find a firm that provides such a high level of expertise with a truly client centred approach.

    I look forward to continuing my relationship with Capital Law in the near and long term future.

    Bryn Adams | Relationship Manager
    Hodge Bank

  • I have worked with Capital Law’s debt and real estate finance teams for a number of years, and we have an excellent working relationship. The team are friendly yet professional and extremely responsive which helps me to manage my client’s expectations. They give clear, relevant, and thorough advice and their support has been invaluable. I know I can trust the team and can pick the phone up at any time.

    Alex Loxton | Relationship Director, Corporate Banking South West & Wales
    HSBC UK Bank plc

  • To the awesome Capital team, you have been phenomenal in your representation of us in the face of mind boggling idiocy. We are extremely grateful for your diligence, professionalism and good humour throughout this process. We look forward to the next one and couldn’t conceive of finding a better business partner to work with us over the next few years.

    Shane Higgon | Finance Director
    Ascona Group

  • Chris Lewis and the banking team at Capital Law have been instrumental in helping us with this deal. Their commercial and pragmatic advice was invaluable, ensuring a smooth, timely and professional experience. We are grateful for their continuing support and look forward to working with them again.

    Myrddyn Hughes | Senior Relationship Director, Corporate Centre – South Wales
    Santander UK Corporate and Commercial Banking

  • I just wanted to convey what a great job the Capital Law team and specifically Chris Lewis did in helping me get the transaction to completion. There were a number of last minute issues, but Chris went out of his way to help me to find commercial solutions as I worked with stakeholders in the borrower company to find a solution.”

    Claire Sedgwick | Deputy Fund Manager, Property
    Development Bank of Wales

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