Debt Finance

Strengthen your position in the fast-moving world of finance with an experienced, responsive legal team that understands the need for commercially astute advice and pragmatic solutions.

We spend time wisely.

Teamwork and collaboration are at the heart of our approach. These qualities enable us to successfully advise on ambitious finance transactions and guide you from the start of a transaction through to completion.

We work closely with other specialist lawyers within our firm, which enables us to propose the most suitable solutions for you, tailored to your specific needs. Our expertise also extends to cross-border transactions, enhanced by international contacts that enable us to manage these transactions efficiently.  

We represent leading banks, specialist lenders and a diverse range of corporate clients, which makes us uniquely positioned to negotiate complex funding structures. Our broad client base not only amplifies our negotiation capabilities, it provides us with a comprehensive understanding of both sides of a transaction, with the ability to communicate differing perspectives with clarity.

Our advice extends across the full range of transactions, from structured debt arrangements and all forms of security, to complex intercreditor arrangements. When things don’t go to plan, we can support you through challenging situations – advising businesses and lenders dealing with defaulting borrowers on the best course of action.


  • Acquisition and leveraged finance
  • Real estate/asset finance
  • Development finance
  • Distressed finance
  • International transactions
  • Refinancing and restructuring
  • Corporate finance
  • Public sector finance
  • Social housing finance
  • International finance
  • Mezzanine and syndicated lending/borrowing

Get to know us

2023 | Debt finance deals review

2023 was a busy year for our team, working with some of our amazing clients on 48 deals with a total value of more than £300 million.

Watch the video to find out more about the global deals they’ve been busy with.


  • 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

  • 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