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Bespoke Finance

We help clients structure and implement bespoke secured and unsecured financing transactions – whether lending to corporates for working capital or investment purposes, making debt arrangements between individuals or facilitating loans made between trustees and beneficiaries. To achieve this, we draw on the vast experience of our Private Client, Trusts, Corporate and Tax teams to assist with due diligence and structuring.

Farrer & Co is known for its ability to handle unusual and complex situations. With a strong track record of advising clients – often with unique characteristics – across a range of industries and sectors, and with expertise spanning multiple asset classes, we are well placed to ensure our clients’ financing needs are addressed in a way which is tailored to them.

Recent work highlights

  • Landed estates finance: advised a large private estate on multiple high-value debt facilities with a private bank and on the separate issue of £105 million of unsecured, fixed interest private placement notes.
  • Trusts finance: advised the trustees of a family trust on a loan made up of trust assets to the beneficiaries of the trust to cover expenses associated with divorce proceedings. The loan was unsecured but convertible into shares in a family business part-owned by the beneficiary.
  • Lending against life insurance portfolios: advised a private bank on an uncommitted multi-currency revolving credit facility secured against a series of life insurance portfolios issued in favour of multiple beneficiaries of a family trust.
  • SIPP: advised a private bank lender in relation to lending against and charging a self-invested personal pension scheme.
  • Bank guarantees for acquisition of African mining services: advised a client engaged in large scale contract mining services in West Africa in connection with two on-demand bank guarantees granted in its favour totalling more than $85.8 million.
  • Livery companies finance: advised a livery company on a secured £7 million term loan from social impact investors and a secured £1m term loan from a trade association, including advising our client on related intercreditor arrangements.
  • UHNW investment finance: advised a high-net-worth investor client on the debt elements of their £15 million investment in a luxury aesthetics business in London and the subsequent restructuring of that investment.
  • UHNW finance: advised on a £10 million secured loan made by a high-net-worth individual and their connected entities to private credit funds making secured bridging loans to UK real estate businesses.

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