The Banking team at Cleaver Fulton Rankin has recognised expertise in acting on the full range of finance transactions, including complex corporate finance and project finance transactions; commercial property finance transactions; business lending; invoice discounting, factoring and debt finance and volume residential mortgage finance and refinancing transactions.

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Areas of Expertise

We have substantial experience in drafting and preparing all forms of loan and security documents and in advising lenders on the processes required to implement various forms of lending products in the jurisdiction of Northern Ireland, from consumer credit through to residential mortgages and corporate finance and project finance. This experience includes:

  • Business finance, acquisition finance, property finance and project finance
  • Advising lending institutions, whether established in or new to the Northern Ireland market in the development of standard form lending and security documentation to comply with local law and practice
  • Advising banks and financial institutions on the updating of their standard documentation and on Northern Ireland legal developments
  • Drafting and advising on all forms of security and priority and subordination agreements, inter-lender agreements and syndicated lending
  • Invoice discounting, factoring and forfaiting
  • Loan portfolio sales and acquisitions
  • Advising lending institutions on the validity and enforceability of security, including guarantees and collateral security given by overseas entities in respect of Northern Irish borrowers or assets and providing legal opinions
  • Advising on Northern Irish aspects of structured finance, capital markets, securitisation and covered bond transactions

Why Us

As a full service commercial law firm based in Northern Ireland, our Banking team have a detailed knowledge and understanding of the regulatory framework within which lenders must operate in Northern Ireland and of the best practice standards required in the practice of security perfection in Northern Ireland. We have considerable resources at our disposal in terms of suitably experienced solicitors to be able to complete large scale transactions within short time scales.

The Banking team at Cleaver Fulton Rankin has consistently been listed in the Chambers UK Guide to the Legal Profession. The Chambers Guide to the Legal Profession UK 2015 comments that the team’s key strengths include ‘their efficient and professional service, their ability to provide robust commercial advice, and the fact that we have access to a range of knowledge and specialisms within one firm. The client service is excellent. They consistently engage with us through regular contact, meetings and networking events. Their track record is superb’.

The Legal 500 2014 comments that Stephen Cross’ ‘strong team of specialists’ at Cleaver Fulton Rankin provide ‘a high level of service’ and show ‘detailed knowledge of the market’.

Notable Clients

  • We provide banking law advice to a range of financial institutions that includes:
  • Bank of Ireland
  • Danske Bank
  • Ulster Bank
  • HSBC Bank
  • Close Invoice Finance Limited
  • Deutsche Bank
  • Silicon Valley Bank
  • Unity Trust Bank
  • Scottish Widows
  • DB Mortgages
  • Future Mortgages
  • CitiFinancial Europe plc
  • Exact Mortgages
  • Charter Mortgages Limited
  • Charity Bank
  • Northern Ireland government bodies and local authorities