Capital Law Limited has a ‘wide knowledge of financial transactions’ for a balanced roster of lenders and borrowers. Reshma Jogia  leads the firm’s corporate banking offering which has expertise advising stakeholders throughout the capital structure and continues to pick up financing work from the firm’s growing private equity client base on their investments. Consultant Huw Thomas  is well-versed in commercial property finance mandates, while  Rachel Hillier  takes the lead on financial regulatory matters, including advice to fintech providers.

Under the leadership of the 'commercial and pragmatic' Joanne Canning , Eversheds Sutherland (International) LLP has cultivated very strong relationships with a range of lenders including traditional clearing banks, as well as alternative capital providers. The scope of the work is broad and includes new money mandates, as well as refinancings and traverses through the capital structure. Property finance is a particular strength with the firm handling mandates throughout the UK including a recent complex lender-side engagement to fund the acquisition and development of a purpose built student accommodation project in Scotland. Senior associate Melissa Hellio has gained an excellent lender-side perspective as a result of several bank secondments during her time at the firm, experiences which she deploys to good effect in relation to both real estate and corporate lending transactions.

Geldards LLP provides a 'very customer-focused service' to lenders and borrowers across a range of regional and UK-wide transactions, including in the context of development and acquisition finance. Under the leadership of the 'very responsive' Karl Baranski, the team has, however, gained most visibility for its finance work for public sector clients, including Warrington Borough Council, which the team continues to advise on the financing of a £35m solar plant and batter storage facility.

Often handing the financing requirements for many of the firm's institutional corporate clients, including the Welsh Rugby Union and Celtic Manor, and also drawing upon strong lender ties with both challenger and clearing banks (including Metro and Lloyds Bank), Hugh James has an excellent perspective from both sides of the table on local and UK-wide transactions. 'Responsive and commercial' team head Dominic Marshall  has vast experience handling bilateral and syndicated financing arrangements from a working capital and event-driven perspective and has also been very active of late advising on Covid-related CLBILS loans and RLS loans. Rowena Downie is also a key member of the team and is now responsible for leading on the finance work for the firm's roster of social housing clients following Robert Morgan's recent retirement. Kelly Davies  is the key contact for real estate finance.

The ‘strong and well-balanced‘ team at Acuity Law provides ‘technically and commercially astute’ advice to a fairly balanced mix of borrowers and lenders across a range of transactions, including in corporate, project and asset finance settings. On the lender side, the firm has particularly strong ties with a number of specialist lenders/building societies and is regularly engaged across a range of real estate finance mandates. ‘Approachable’ team head Beverley Jones  takes the lead on many of the most significant mandates and as well as her real estate finance expertise, is also well-versed in advising on healthcare-related finance transactions. The arrival of Christopher Agius enhances the team’s real estate finance credentials, in particular, following his arrival from Capital Law Limited in September 2021.

Blake Morgan LLP's 'knowledgeable' team displays a 'sureness of touch' on behalf of a range of borrowers and lenders which has been cultivated as a result of longstanding involvement in many high-profile Wales-based debt finance mandates, including within the healthcare and hospitality sectors. A 'consummate professional', team head Paul Duggan has been pivotal to the firm's success in the area and regularly advises core lender clients including Development Bank of Wales, as well as many of the firm's social housing clients on the debtor side.

Clarke Willmott LLP's Cardiff office has a niche focus on social housing finance, including development funding. Team head Fraser MacRae  has a balanced practice that sees him advising both borrowers and lenders across a wide range of secured funding, including in the context of syndicated loans and bond issuances. Bethan Evans is also recommended.