Banking finance and secured lending

The world of banking, finance and investment is changing rapidly. Whether you are lending or borrowing you will need advice from lawyers who understand the complexities of finance and lending, but offer a practical, commercially-focused approach.

Key Contacts

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The strength of relationships

We work closely with banks (including many of the UK’s largest) as well as financial institutions and entrepreneurs, to manage their requirements and ensure their lending and investments provide successful, secure returns. We also act extensively with borrowers and businesses seeking investment, especially in the fast-growth arena.

Forming strong, long-term relationships, we take time to understand your business. With experience on both sides of the transaction, we are well-placed to offer clear, pragmatic advice: whether you are a lender, investor, borrower or recipient of investment, we ensure you remain well-informed and aware of your obligations and responsibilities.

We recognise that lending requires a multi-disciplinary approach, and we offer a blend of banking, real estate and restructuring expertise to steer you through the ever-changing landscape. As every transaction is different, we deliver bespoke advice and provide cost-effective, practical solutions tailored to your transaction. This quality of service and experience has been key to our appointment to a number of clearing bank panels across the UK.


Our Banking and Finance Team has been involved in a number of high-profile matters, including:

  • advising retail banks on a range of facilities between £500k and £20m
  • combining banking advice with other areas specific to a transaction – such as corporate, commercial, property or employment – in order to safeguard the value of the covenant available to lenders while allowing the borrower to continue to operate their business effectively
  • advising on the financing aspects (for lender or borrower) underpinning transactions such as third party acquisitions, management buy outs and growth expansion


  • Banking and financial services
  • bespoke facility documents, including financial and general covenants
  • conditions precedent and conditions subsequent
  • debentures, multi-party guarantees and share charges
  • deeds of priority, intercreditor and subordination documents
  • legal charges over freehold and leasehold interests

  • legal due diligence support for acquisition finance
  • legal opinions for overseas lenders
  • project management of the facility and banking transactions
  • revolving credit facilities to Loan Market Association (LMA) standards

Clients say Mike Tomlin ‘makes the effort to clearly understand what the client is looking to achieve’.

The Legal 500 2016


News 1 March 2017

Thrings advises Optiva Securities on Emmerson float

Leading commercial law firm Thrings has advised on the admission of shares in Isle of Man-based Emmerson plc to the standard segment of the Official List and to trading on the Main Market of the London Stock Exchange (LSE), and the associated placing of shares by Optiva Securities Limited.

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Brexit 25 January 2017

Brexit – Supreme Court says Parliament rules

Mark Cullingford, partner and head of Business Restructuring & Insolvency at Thrings, comments on yesterday’s court ruling:

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News 12 October 2016

Thrings acts on cross-border re-organisation

Leading commercial law firm Thrings has acted for an Ultra High Net Worth (UHNW) family on its on-shoring of a multi-million pound prime London real estate portfolio held in...

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