Speciality Finance

Our speciality finance practice advises banks, financial institutions, alternative lenders and corporates across various asset classes and receivable types.

This includes extensive experience of auto loans; consumer and personal loans (including credit cards, loans, current accounts, hire purchase agreements, overdrafts and other forms of credit), mortgages (first and second charges), secured and unsecured receivables, consumer receivables arising under asset maintenance and other service contracts, and corporate receivables. 

Our experience advising on term and revolving borrowing base facilities advanced against pools of receivables, includes:

  • funding the origination of consumer credit receivables;
  • the acquisition of portfolios of non-performing consumer credit portfolios;
  • run-off facilities to fund the acquisition of a static portfolio of receivables;
  • warehousing facilities to support the creation of a portfolio of assets prior to the launch of ABS, CLO or CDO; and
  • leverage and borrowing base facilities for fund managers secured against pools of investments.

We are also one of the few City firms to have a dedicated consumer credit practice.

In depth

What people are saying


"Very nimble and efficient, and great ability to understand and focus on clients’ priorities, which in turn leads to cost-effectiveness."

The UK Legal 500 2023

"Strong knowledge base from partners and associates. Willingness to explore ideas to solve complex issues. Partner involved throughout."

The UK Legal 500 2023

"Strong knowledge base with willingness to explore new ideas. Early feedback on what is possible and what isnt. Richard Fletcher is excellent at planning the legal documentation journey, identifying and flagging potential issues early to ensure smooth execution."

The UK Legal 500 2023

"Partner led advice with the ability to work across different asset classes."

The UK Legal 500 2023

"Excellent understanding of the requirements of the client and how the structuring could be moulded accordingly to our needs."

The UK Legal 500 2023

"Very professional, well informed, technically strong and reliable team. Always seek to deliver and always meet deadlines. Very high quality across all the team. Easy to deal with."

The UK Legal 500 2023