Corporate Banking Lawyers

What We Do

Our corporate banking team works for both commercial lenders and borrowers on a wide range of lending transactions.

If you’re a borrower, we can help you raise working capital, refinance existing debt, or fund capital expenditure.

If you’re a lender, we can help you minimise risk by negotiating suitable loan terms and ensuring your priority over other creditors.

Our services include drafting, negotiating and advising on:Bilateral and syndicated/club loan agreements relating to a wide range of committed and uncommitted facilities, both domestic and cross-border

Security arrangements in relation to corporate lending transactions, including:

  • Debentures
  • Legal charges
  • Chattel mortgages
  • Assignments of rights under contracts with third parties
  • Guarantees from corporates and individuals
  • Share charges
  • Account charges  

Intercreditor arrangements, including deeds of priority and subordination and in relation to mezzanine debt

Amendments, waivers, variations and consents under loan and security documents

Early stages of transactions, drafting term sheets, advising on deal structures

Completing deals safely for lender, sponsor and borrower clients

Bespoke documentation for lender clients

Interpreting provisions in current loan and intercreditor documents - especially in relation to actual and potential default scenarios or the rights of individual creditors

Completing standard form/lender template security documents, guarantees and ancillary documents

The team also offers project management services, overseeing the transaction process from start to finish, including confirming satisfaction with all conditions precedent. We’ll help you identify legal challenges early in the transaction and give you strategies to solve problems and manage risk.

Why Choose Us?

We offer an expert team that have relationships across the corporate banking sector.

Working for UK and overseas lenders, borrowers and sponsors, our team specialises in agreements that protect our clients. Whether it’s ensuring a lender’s claim as a creditor gets precedence, or that a borrower doesn’t suffer from overly restrictive obligations.

From the start, we’ll discuss the services you need and, wherever possible, we’ll offer fixed and capped fee options for both lender and borrower clients.

Recent work

AES Engineering Limited

We advised this member of the AESSEAL group in connection with the refinancing of its £30m revolving credit facility with HSBC Bank plc. The deal had international aspects, AESSEAL having subsidiaries in North America and Ireland.

HSBC Bank Ltd

We advised HSBC Bank plc in relation to the provision of £15m of revolving credit and term loan facilities to waste management group Augean.

Lloyds Bank Plc

We advised in relation to the provision of a £20m revolving credit facility to MJ Gleeson plc and in relation to MJ Gleeson’s scheme of arrangement and re-listing.

Santander

We advised on the provision of £30m funding for the new Enterprise Ventures SME Loan Fund, which will provide growth funding for SMEs. Greater Manchester Pension Fund also provided £10m funding.

Testimonials & Feedback

We truly value the feedback we receive from both our clients and legal accreditation societies, such as The Legal 500 and Chambers & Partners.

"Irwin Mitchell always provides excellent advice and service."

Chambers & Partners, 2022
Chambers & Partners 2020 logo

"They are extremely diligent and detailed from a risk perspective and give great advice."

Chambers & Partners, 2020

“Exceptional law firm, right up there with best worked with in 20 years. Knowledge is unsurpassed, ability to focus on salient points hugely helpful in matters being dealt with expediently and correctly.”

Legal 500, 2022

Awards & Accreditations

We’re proud of the recognition we’ve received for our business legal work. For a list of awards and accreditations, please visit our awards page.

Chambers & Partners 2020 logo

We Work Nationally

We have offices in major cities throughout the UK and our lawyers can arrange to visit you or your business in person if necessary. We also have international capability, with global links to other legal specialists.

See our latest coronavirus updates before visiting our offices

Business News

Our lawyers are regularly asked to provide expert insight, advice and analysis for the national media. Take a look at the stories below to see what we’re saying, as well as some of the recent deals we have completed for our clients here in the UK and abroad.