Corporate, Commercial & Finance

Banking and Finance

Our Approach

We can help you to structure and negotiate effective lending arrangements

We act in relation to commercial banking matters, including acquisition finance for corporate transactions, corporate lending, asset-based lending, venture debt and real estate finance (for both investment and development transactions), in each case across a wide range of sectors.

We have a long history of acting for entrepreneurs, high net worth individuals, family offices and owner-managed businesses, whether operating through SPVs (onshore or offshore), joint ventures, partnerships or fund structures. We often act for lenders, in particular for a number of private banks, challenger banks and alternative lenders.

We can help you to structure and negotiate effective lending arrangements and we offer a service which is tailored to suit your needs and the way you operate, whether this requires simple term loans or more complex syndicated loan facilities with appropriate security packages and priority arrangements.

We are also well versed in dealing with refinancing, restructuring, work-outs and insolvency procedures should the need ever arise.

A strong team ethic shines through at Kingsley Napley and there is ready support from across the whole team, whose assistance is always quick, accurate and reassuring.

Chambers and Partners _ 2025

Our Expertise

Acquisition Finance

We advise lenders, investors and a wide range of management teams and corporate borrowers in relation to business acquisitions, management buyouts and refinancings.

Working with our colleagues in Corporate and Commercial, Employment, Tax, Real Estate and Immigration we provide business support and advice on all stages of acquisitions, from preliminary discussions to post closing. This multi-team approach helps us to identify the key issues facing our clients and allows us to deliver coordinated practical and commercial solutions.

Corporate and alternative lending

We appreciate that raising capital and building a stable financial base is important for businesses and requires expert legal advice. We are experienced in advising lenders and borrowers across a broad spectrum of corporate borrowing, alternative lending and debt restructuring and guide clients through the options and implementation.

Real Estate Finance

For real estate finance transactions we work closely with our Real Estate, Construction and Tax colleagues to deliver commercial and solution orientated advice, whether in relation to development or investment facilities. We have helped clients across a wide range of sectors, including office, retail, student accommodation, logistics, PRS/ build to rent and residential.

For each real Estate finance transaction our priority is to put together a team of business advisers to allow consideration of all applicable financing options, to incorporate your preferred commercial terms, and to complete all relevant documentation within the planned timescale.

Our Real Estate Finance team is also ranked in Legal 500.

Recent Work

Acting for a substantial family-owned property investment and development company in connection with the £20,000,000 re-finance of part of its residential property portfolio in London with a high street lender
Acting for an alternative lender in connection with funding the acquisition of a purpose built student accommodation block in Greater London and taking additional security over a high value Central London HMO
Acting for an alternative lender on the acquisition financing of a country house hotel in the Midlands
Acting for the lender in relation to a £1.1m loan for the purpose of purchasing a hotel in Norwich
Acting for the borrower in relation to a £1.38m acquisition finance transaction in relation to the purchase of commercial property in North West London
Acting for a residential investment company in connection with the restructuring of its intra-group facilities across fifteen of its group entities
Acting for an alternative lender in relation to a development bridging facility secured on a mixed use development site on the South Coast
Advising a developer on its £14m development facility for a mixed use scheme in London with an international bank
Advising a lender on its loan-on-loan facilities with a UK challenger bank
Advising a property development company in relation to its acquisition of a prime site in London for residential development
Acting for an alternative lender in relation to the provision of working capital facilities secured on a portfolio of residential care homes owned by a private equity fund
Acting for three offshore borrowers ultimately controlled by an Ultra High Net Worth family in relation to the £40m refinance of four super-prime properties in and around London
Advising a Private Family Office on its £143m multi-currency facility with an alternative lender secured on luxury real estate assets in the US, UK and Europe