Emma Harding

Paralegal | Debt Finance

Emma is a Paralegal in our Debt Finance team. She provides support to solicitors and partners on a wide range of commercial finance transactions.

Having spent five years at an international city firm in a similar role, Emma joined Capital Law in 2022. She graduated with a law degree from the University of the West of England in 2015 and went on to study the LPC and a master’s degree in legal practice part-time at the University of Law Bristol.

During her career as a banking paralegal, Emma has had the opportunity to assist a variety of lender and borrower clients on debt finance work in relation to corporate, commercial, and real estate finance transactions. Her support to the legal team includes drafting, transaction management, liaising with clients and external counsel from initial instruction right through to completion, and handling any required post-completion issues.

Recent work

Canadian National Banks
Advising two Canadian national banks on the accession of a new English subsidiary to an existing facility for a Canadian banking customer and preparing capacity and enforceability legal opinions in respect of the same.

Household name window company
Working with a household name window company on a new £6.5m debt financing arrangement with a lender to support its acquisition-led growth strategy.

Global logistics company
Providing advice and support for a global logistics company in its capacity as lender to a secured-term loan facility for the development and manufacture of a state-of-the-art electric powered cargo truck.

A private equity house
Working with a private equity house on the refinance of a £4.25m senior secured revolving credit facility, including ensuring the relevant conditions precedent have been satisfied with input from multiple stakeholders.

A national bank
Advising a national bank on the refinance of a £1.6m secured facility and the release of equity in connection with the development of two freehold properties.

Working with a national bank to update its suite of security and finance documentation.

Regularly advising a banking client’s commercial portfolio team in respect of the partial and full redemption of loans to its existing customers and arranging the release of relevant security.


  • Paralegal, Capital Law Limited (Jun 2022 – present)
  • Paralegal, Simmons & Simmons (Apr 2021 – Jun 2022)
  • Assistant Language Teacher, Japan Exchange and Teaching Programme (Aug 2019 – Mar 2021)
  • Paralegal, Simmons & Simmons (Oct 2015 – Aug 2019)


  • The University of Law: LPC and LLM in Legal Practice (2016 – 2018)
  • University of the West of England: LLB Law (Hons) (2012 – 2015)



  • Capital Law advised us on a recent loan refinancing transaction. Their team demonstrated professionalism and expertise throughout the process, ensuring the transaction was completed efficiently and on time, and maintaining excellent communication throughout. I would be happy to recommend their services to anyone seeking reliable support for their funding needs.

    Richard Pugsley | Vice Principal (Corporate Resources)
    Cardiff and Vale College

  • 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