Reshma Jogia

Banking & Finance

Reshma leads our corporate banking practice, with over 20 years’ experience in acting for lenders including most UK clearing banks and investment funds, and borrowers including corporates and clients in the social housing, education and healthcare sectors.

She advises on all aspects of finance and secured lending and is used to handling large and complex transactions.

Reshma specialises in all aspects of secured lending and has extensive experience in, negotiating complex syndicated multi-currency loan facilities often drafted on a Loan Market Association format, amendment and restatement agreements and refinancing of facilities, all forms of security, security trustee arrangements, mezzanine finance and priority and intercreditor documentation. She also has knowledge of the bond market and her experience includes providing advice on private placement facilities.

Reshma has particular expertise in social housing finance and has advised a number of housing associations and lenders on their funding arrangements.

Reshma also undertakes security reviews and advises on restructuring of loan and security and works closely with our regulatory lawyers to provide regulatory advice on the Consumer Credit Act and the Financial Services and Markets Act.

She was recently recognised as a ‘Next Generation Partner’ for the 2024 Legal 500 rankings in relation to banking and finance.

Reshma Jogia is excellent in dealing with all banking matters in an efficient manner.

Chambers & Partners 2023

Reshma Jogia has superb technical knowledge, strong attention to detail, is always available to discuss matters and works incredibly hard to get the job done. She is excellent at building strong client relationships.

The Legal 500, 2022

  • Advising private equity investors on their funding arrangements for corporate acquisitions, often involving complex debt structures, loan note security and intercreditor deeds.
  • Advising Welsh Government in connection with their lending to registered social landlords under their Innovative Housing Programme (IHP) and related schemes.
  • Acting for social housing sector clients, both in Wales and England, on their funding arrangements with lenders.
  • Acting for both lenders and borrowers on development loan facilities for the acquisition and/or development of properties.
  • Advising on renewables finance and development funding in the context of the healthcare sector including the acquisition and development of care homes and healthcare centres across England and Wales.
  • Acting for lenders including many major clearing banks, mezzanine lenders and corporate borrowers in relation to funding for acquisitions and management buy outs.
  • Advising insolvency specialists, banks and other funders on all corporate and insolvency related aspects.
  • Acquisition and leveraged finance
  • Development finance
  • Real estate finance
  • Development finance
  • Mezzanine finance
  • Capital markets and bond finance
  • Renewables finance
  • Distressed finance


  • Partner, Capital Law Limited (Nov 2020 – present)
  • Consultant, Capital Law Limited (May 2020 – Oct 2020)
  • Legal Director, Blake Morgan LLP (Jan 2020 – May 2020)
  • Senior Associate, Blake Morgan LLP (Apr 2000 – Jan 2020)
  • Solicitor, Eversheds Sutherland (Sept 1999 – Apr 2000)
  • Trainee Solicitor, Eversheds Sutherland (1997 – Aug 1999)


  • Cardiff University, Legal Practice Course (1995-1996)
  • Cardiff University, LLB Law (Hons) (1991-1994)

Memberships / Trustee Positions

  • The Law Society of England and Wales
  • Loan Market Association


  • Gujarati