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 Banking & finance solicitors

Banking & finance solicitors

We are trusted advisers to both banks and borrowers, providing specialist legal advice on banking and finance issues across all sectors.


Legal advice for banks and borrowers

The Banking & Finance team have been instructed on over 850 new transactions in the last 12 months with an aggregate deal value in excess of £2bn – and our firm is regarded as one of the country’s leading dealmakers with extensive corporate mergers and acquisitions experience.

We act for most of the main funders active in the UK market, including the biggest international banks, mezzanine funders and alternative lenders.

A significant portion of our work involves advising non funder clients in relation to their interaction with banks and financial institutions. We are trusted advisers to many of the firm’s clients, from SMEs to large corporates, on all banking and finance issues that arise in their businesses.

We like the combination of technical ability, commerciality and sector knowledge that the team brings to our clients. There’s a real genuine interest and engagement with the client and we know that the team really care

Our specialists work with funders and businesses at all stages in the economic cycle, from start-up through to specific transactions and from ongoing trading issues to turnaround and restructuring.

Much of our work has multi-jurisdictional aspects and we often work with legal firms across the world in structuring and completing banking and finance transactions.

We are adept at project managing transactions to make the process as straightforward as possible for our clients and are focused on driving deals forward to ensure that we deliver the best outcome possible for our clients in the desired timescale.

The team

Meet the team

Our vast experience of advising businesses of all sizes on banking and finance matters means we also understand their key motivations and needs – this makes us ideal advisers to borrowers and gives us an extra dimension when advising funders.


Our services

The breadth of our experience with financial institutions, funds and lenders, including in-house placements at major UK banks, means we understand what’s important when funding transactions – insight that is invaluable when acting for lenders and borrowers alike.

General corporate and commercial banking


Advising on day-to-day lending and borrowing matters including new corporate facilities, refinancing and renewal of existing facilities and creation of security. We draft and advise on bank standard documentation, Loan Market Association (LMA) documentation, bespoke documentation and bilateral and syndicated lending.

Acquisition finance


Advising in relation to various types of transaction, including management buy-outs, management buy-ins, mergers and acquisitions. Our experience includes transactions funded by way of senior, mezzanine and subordinated debt and private equity, regarding complex structures and sizeable deal values.

Property finance


Advising on real estate finance facilities and creating property backed security for a wide range of sectors including trading businesses, healthcare and rural & agriculture.

Project finance


Advising on high-value project finance transactions across a range of sectors. We have extensive expertise in dealing with all aspects of projects including bank and capital market funding, security structures, intercreditor arrangements, due diligence and step in arrangements.

Housing finance


Advising housing providers and lenders on high-value housing finance transactions, bank documentation advice, grant funding agreements and security documentation.

Useful links


Asset finance


Advising in all areas of asset finance including acting in relation to invoice discounting and receivables, equipment finance and asset-backed lending transactions. Our expertise includes drafting and negotiating asset finance documentation and advising on this form of funding as part of acquisition finance and turnaround transactions as well as an alternative source of working capital.



Advising on a wide range of impaired asset solutions including equity restructuring, property participation, security enhancement and security realisation.

Professional negligence


Extensive experience of advising on professional negligence matters as it affects both those in the banking sector and their customers.

Crossborder transactions


Advising on international and multi-jurisdictional transactions with Scottish aspects.

Visit International Business for more information.

Green finance


We were engaged as Scots law advisers on the making available of a three-year revolving credit facility with an uncommitted accordion facility to an LSE-listed company investing in forestry, with impeccable sustainability and green credentials.   We were engaged to provide detailed Scots law advice in respect of the suitable Scots law security package and to carry out title diligence in respect of those of the forestry sites located in Scotland.

This was a key lend for our client given its wish to expand into the sustainable forestry sector and to continue to grow its ESG lending proposition and illustrated our market leading renewable energy and forestry expertise.

Our clients include


Examples of our work

We don’t simply provide the first class advice you expect from your legal advisers, we provide practical, commercially driven solutions to the issues that you face.

Provision of lending facilities


We advised on the provision of facilities by a major bank to an expanding healthcare provider to finance the development of a new facility. We drafted, negotiated and finalised a bespoke LMA based facility agreement. We also drafted, negotiated and finalised the security, guarantee and subordination documentation, provided advice to the bank on a complex ownership and sale structure and carried out property and construction diligence.

Marine finance


We advised a ship owner on the funding package to acquire a new vessel, refinance an existing vessel and to refinance the investment and debt in reference to a third vessel. We negotiated and finalised all associated lending security, guidance, international and charter documents as well as managing the complex cross jurisdiction aspects of the transaction.

Acquisition finance (cross border)


We advised in a transaction involving the acquisition and refinancing of a major company operating in the UK healthcare sector. We acted as Scottish advisers in drafting, negotiating and finalising the facility and property security documents, together with carrying out the property diligence on the Scottish properties. We also provided a Scots law legal opinion and drafted, negotiated and finalised a bespoke ranking agreement.

Provision of revolving credit facilities


We advised on the provision of revolving credit facilities by a major bank to a range of businesses operating in the food, leisure & hospitality sector. We drafted, negotiated and finalised bespoke revolving credit facility documentation, together with preparing all guarantee, security and ranking documentation and carrying out property diligence on behalf of the bank where required.

Refinancing acquisition costs (cross-border)


We advised on refinancing the costs of a retail site and the development by it of commercial units housing major high street brands, together with the subsequent sale of the site. We drafted, negotiated and finalised the facility, hedging, security and subordination documentation (which included English law aspects), together with carrying out detailed property and construction diligence on behalf of the bank.

Refinancing property development


We advised on the refinancing of the development costs of healthcare property and the provision of further loan facilities to fund an extension. We drafted, negotiated and finalised the facility, security and guarantee documentation. We also advised the bank on the complex funds flow involved in the transaction and carried out diligence on the property and the group restructure on behalf of the bank.


“Tony Cameron and the team have provided excellent service across a number of deals demonstrating strong experience and service at a competitive price.” “Tony Cameron is an excellent, no-nonsense lawyer who will go into bat to get the best result with minimum fuss.”

– The Legal 500 2023

“Tony is an excellent lawyer who is very responsive and a good communicator. He is very efficient at getting transactions completed.”

– Chambers UK 2023

Bank of Scotland Real Estate team have established an excellent working relationship with Harper Macleod (Jacqui Fraser) over many years. They have acted on our behalf on a large number of transactions incorporating refinances, new acquisitions and development facilities. The service we receive is excellent and we continue to grow the relationship with both parties enjoying reciprocal business on a regular basis. The cohesive approach between Jacqui, her team and the Bank demonstrates great team working and collaboration, delivering a positive outcome for both existing and new property clients.

– Nigel Walker, Senior Manager Property, Bank of Scotland