Making business happen

Specialist Banking & Finance legal advice that drives business success.

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Specialist Banking & Finance legal advice that drives business success.

At Acuity Law, our Banking and Finance team provides commercially focused legal advice to lenders, borrowers, investors, developers and businesses operating across a wide range of sectors. We pride ourselves on delivering tailored solutions and financial structures that enable transactions to happen smoothly and effectively and while giving the all-important security required that reflects the unique needs, and business aims of each of our clients.

Our banking law expertise is broad based. We act for lenders and borrowers across the credit spectrum, from simple term loans to complex syndicated loan facilities with tiered priority structures. Our specialist Corporate Finance and Real Estate Finance teams regularly undertake detailed due diligence for banks and investors considering advancing funds, and advise on Loan Market Association (LMA) facility agreements and documentation, investment agreements, debt instruments, security and finance packages.

Whether supporting funders in lending transactions, businesses through expansion, advising on complex financing arrangements, navigating regulatory issues or managing disputes, our banking and finance lawyers work in partnership, often as an extension of the in-house team, and always seek to offer clear, commercial solutions. We identify issues early and make practical commercial recommendations that keeps transactions moving forward. Whatever you are lending or borrowing, we make sure the funding documentation is tailored to your requirements, guiding you through every stage of the transaction and making sure there are no surprises along the way.

We work with high street lenders, specialist lenders, alternative lenders, investment funds and brokers and with borrowers across a wide variety of business sectors, and we have specific expertise in project finance in the energy, social housing and healthcare sectors.

We recognise that the banking and finance sector is constantly evolving. New technologies, changing regulations and shifting economic conditions require advisers who can adapt quickly and think creatively. Our team combines technical excellence with commercial insight to support our clients in making informed decisions and achieve a positive outcome.

Our Banking and Finance legal services.

We provide banking and finance legal services across the full range of transactions and finance matters, working closely with lenders, borrowers and investors to structure deals that work and get them done efficiently. Our services include:

We advise lenders and borrowers on the full range of corporate finance transactions, from simple term loans and overdraft facilities to acquisition finance, asset finance, revolving credit facilities, project finance and complex syndicated facilities with tiered priority structures.

Work highlights

Our Banking and Finance team has advised lenders, borrowers and investors on a wide range of finance transactions across multiple sectors. Here is a selection of recent work.

Prominent Building Society
Advised on full due diligence and the preparation and perfection of a comprehensive property, corporate and development security package in connection with a £26.5 million refinance and redevelopment of a landmark building in Ealing, London, to create 112 residential units. The team also advised on intra-group property transfers, rectified historic title and access issues, and provided planning and construction advice to ensure perfected security for the lender.
£5million funding round
Advising the developers on a £5million funding round in connection with the development of five luxury townhouses in the heart of London. Our role was to provide advice to the development company to ensure that the documents protected our client’s ability to continue to operate the company and progress the development whilst ensuring the terms were satisfactory to the investor.
£8million term loan facility
Advising an aerospace company and its subsidiaries on an £8 million term loan facility agreement for refinancing, growth capital and working capital purposes. This involved negotiation of key documents, advising the client on their effects.
£8.8million Private Bank Restructuring
Advising a Private Bank on an £8.8 million restructuring of a client group and its impact on a loan facility letter and associated security documents. Reviewing and commenting on the restructure paper, reviewing acquisition documents and ancillaries, establishing which consents and clauses of the facility letter were impacted and negotiation of key documents.
Development Bank of Wales
Advising the Development Bank of Wales with full due diligence in a £43 million development loan including drafting and perfecting a full suite of property, corporate and development security in a facility to assist with the refinance of a development site in the Vale of Glamorgan, South Wales.
€11.2million multi-currency term loan facility
Advising a financial services company and its subsidiaries on the €11,200,500 multi-currency term loan facility agreement for restructuring and general corporate purposes. Involving reviewing and agreeing the LMA light style loan agreement, and reporting on security documents, deed of release and ancillary documents.
£25million LMA Term Loan Facility
Advising a provider of assisted care apartments on a £25,000,000 LMA term loan facility and providing the funder’s solicitor with two City of London Law Society Certificates of Title (CLLS COTs) in respect of two purpose built blocks of assisted care apartments, comprising c.150 apartments in each block.
Warwick Capital Partners
Acting for Warwick Capital Partners LLP on its debt and equity investment in Eden Living, an exciting new private rented sector business focusing on the acquisition and subsequent letting of newly built houses in South Wales and the South West of England, as part of its European Opportunities Fund III. This included advising on a term loan facility for Eden Living with Lloyds Bank plc which provided funding for initial and subsequent property acquisitions into the portfolio.
Regeneration Project
Advising Principality Building Society, the sixth-largest building society in the UK and the largest in Wales in its funding of an ambitious, £100+ million residential-led urban regeneration project to transform the site of an old paper mill into a thriving community, in a decade long development scheme that was delivered in partnership with Welsh Government, Tirion Homes, Lovell and Cadwyn Housing Association.
Project Finance for Retirement Living
Acting for luxury retirement living operator, LifeCare Residences on complex syndicated senior and mezzanine funding arrangements for the development of its flagship retirement village community in Battersea, London.

What our clients say

Technically and commercially astute – understand that there are risks in many deals but that there are often ways of mitigating and minimising those risks to an acceptable level.

The really important thing to the business is their approachability, knowledge and turnaround time.

The firm have a commercial mindset and willingness to work with other parties to ensure a smooth transaction.

Supporting businesses at every stage.

Businesses operating within or obtaining funding from the banking and finance sector require legal advisers who understand the pressures of modern commerce. From securing funding for growth and managing complex transactions to navigating regulatory obligations and responding to disputes, legal advice must be practical, commercial and supports a business’s aims.

Our team is committed to building lasting relationships founded on trust, collaboration and a genuine understanding of our clients’ businesses. We take the time to fully understand our clients which enables us to provide advice that is not only legally robust but commercially relevant and tailored to individual circumstances.

We believe there is no one-size-fits-all approach to legal services. Every client, transaction and challenge is different. That is why we focus on developing unique and tailored commercial solutions that help businesses achieve their goals, overcome obstacles and unlock opportunities for growth.

Meet the team

Meet the wider team

Our Banking and Finance legal team, bringing extensive experience advising lenders, borrowers and investors across the full range of finance transactions. Get in touch directly, we are always happy to talk through what you need.

Christopher Agius

Senior Partner
Banking & Finance Team Real Estate Finance Team Cardiff
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Beverley Jones

Senior Partner
Banking & Finance Team Corporate Team Cardiff
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Jennifer Butcher

Senior Partner
Dispute Resolution & Litigation Cardiff
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Aisha Wardell

Senior Partner
Commercial Litigation Team Dispute Resolution & Litigation Cardiff
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Jared Ursell

Partner
Commercial Litigation Team Dispute Resolution & Litigation Cardiff
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Our expertise. We also advise and support on

Banking & Finance issues often intersect with other areas of business and commercial law. We also provide a comprehensive range of legal services that can support your wider business objectives. Some of these include:

Full list of services about Services
Corporate

Expert legal advice and support from start-up funding to major acquisitions.

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Commercial and Technology

Contracts, IP and technology agreements that underpin the businesses you are buying or selling.

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Real Estate

Property due diligence, acquisition and disposal support for transactions with a real estate element.

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Real Estate Finance

Advising funders, developers and borrowers on the financing and refinancing of development and investment projects.

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Employment & HR

A full range of employment and HR legal advice including TUPE advice, tribunal defence, HR documentation and general employment advice and guidance.

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Health & Social Care

We understand the pressures on health and social care businesses and work closely with our clients to navigate a complex and fast-changing regulatory environment.

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Energy

We have extensive experience of the energy sector with our expertise spanning the full lifecycle of a project, from land acquisition and disposal to planning, project finance and funding structures.

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Need a law firm on a retainer with preferable rates?

Our Acuity Counsel Service provides you with your own dedicated team, with the ability to manage budget and control costs.

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