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Ben Parish lawyer

Ben advises lenders – primarily private banks and alternative lenders – on high-value real estate finance transactions, including development financings. He often works with mezzanine and bridging lenders on subordinated loans to property developers.

As well as real estate finance, Ben has advised European and Middle Eastern banks on Lombard lending, both on specific transactions and to prepare template documentation for lending and enforcement.

Ben also regularly advises UK and international corporate borrowers on general corporate financings secured against a variety of assets including art and contractual rights.

He also has experience advising charities – both corporate charities and individual charitable trustees – on borrowing from commercial lenders, as well as advising social impact lenders on lending for charitable or not-for-profit purposes.

Ben takes a commercial and flexible approach and enjoys advising clients on unusual security packages and bespoke loan documents involving individuals, international companies and trusts.

Work highlights

Borrowing base facility: advised a Michigan-based metals warehouser and logistics provider for metals traded on the London Metal Exchange on its $100 million borrowing base revolving credit facility from an international investment bank, secured against receivables (rental income and transportation fees) generated by the business.

Acquisition finance: advised S-Ventures PLC, a listed investment company, on £6 million of financing, a mixture of term and revolving facilities, provided by Shawbrook Bank Limited to fund the acquisition of Juvela Limited, a leading producer of gluten free foods.

Trustees: advised the trustees of a family trust on a loan made up of trust assets to the beneficiaries to cover expenses associated with divorce proceedings. The loan was unsecured but convertible into shares in a family business part-owned by the beneficiary.

Social investment and social impact lending: advised a charitable institution, established by Act of Parliament, on a series of small social impact loans, both secured and unsecured, to charities in London totalling over £5 million.

Bridge financing: advised a bridging lender in connection with a short term £1 million loan to provide an English company with a bridge to a development facility.

Purpose built student accommodation financing: advised an English private bank on its £28 million syndicated development loan to a joint venture company established by an English property developer and a US-based hedge fund.

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