Banking and Finance done right
Supporting lenders and borrowers through complex finance deals with clear advice and calm execution.

Banking and Finance
Expert advice for every financial transaction and challenge.
Banking and finance decisions sit at the heart of business success, whether you’re raising capital for growth, refinancing debt, or investing in property. These aren’t everyday transactions. They’re high-stakes moments that need clear thinking, sharp technical expertise, and calm execution. That’s where we come in.
At Swinburne Maddison, we advise both borrowers and lenders on a broad range of finance matters, from day-to-day banking arrangements to complex, high-value transactions. Our clients include major banks, alternative lenders, private equity investors, high-growth businesses, and established corporates operating across a wide range of sectors.
We’re known for our calm, commercially focused approach, our ability to meet tight deadlines, and our clear, responsive advice. That reputation is reflected in our Legal 500 ranking for Banking and Finance and in the trust clients place in us to lead significant deals — both regionally and nationally.
We’re proud to be ranked in The Legal 500 for Banking and Finance, reflecting the trust our clients place in us and the results we deliver. Our team is regularly instructed by major banks, private equity investors, angel networks, and high-growth businesses across the UK.
Getting the deal done.


“Swinburne Maddison provide a service that combines good technical knowledge with a common sense approach.”
The Legal 500 UK
Comprehensive Banking and Finance solutions.
From day-to-day banking to complex financing, we handle every detail. When problems arise, we act fast, thoroughly, and with minimum fuss. Our expertise covers a broad spectrum of finance matters.

Smart structures for strategic transactions
Whether you’re acquiring a business, structuring a management buyout, or funding a significant asset purchase, we work with you to deliver a deal that works in practice — not just in theory. We ensure facilities are appropriately structured, security is properly documented, and all regulatory obligations are met. Our goal is to make complex transactions feel manageable, every step of the way.
Fast, focused support for property deals
We advise individuals, developers, and businesses on securing lending against commercial property, including new acquisitions, development sites, and refinancing deals. We work closely with our commercial property and corporate teams to ensure all aspects of the transaction are aligned, from title reviews and lender due diligence to post-completion registration and reporting.
We are on the panel of several lenders, including Atom Bank, and have been trusted to manage large volumes of funding work under tight deadlines. During the pandemic, we completed over £75m in CBILS transactions, helping clients access vital capital in a period of national uncertainty, delivering when it mattered most.
Our ability to act quickly, advise clearly and think commercially has earned us the trust of clients such as Atom Bank, Handelsbanken, GB Bank.
Big decisions. Tight deadlines. High-value outcomes. We’re here to help you navigate every step and get the deal done.
End-to-end finance advice for complex projects
From securing funding for commercial investments to complex development projects, our team advises on all aspects of real estate finance. We liaise with lenders, review titles, draft and negotiate security documents, and ensure all conditions precedent are properly handled to avoid delays.
Helping you adapt when things change
When circumstances change, we help you renegotiate or restructure your existing finance arrangements, whether you’re looking to consolidate, release security, or switch lenders. Our experience in both borrower and lender-side transactions allows us to anticipate potential issues and ensure a smooth transition.
Protecting your position in every deal
We draft and advise on all forms of security documentation, including legal charges, debentures, corporate guarantees and cross-guarantees. We also provide specialist advice on intercreditor deeds, priority agreements and subordination terms, ensuring your interests are protected in multi-party finance arrangements.
Balancing speed, risk and investor confidence
We work with private equity houses, fund managers and portfolio companies on financing rounds and investment structures. From investor agreements to convertible loan notes, we provide clear, commercially-driven advice that balances speed, control and growth potential.
Specialist support for sophisticated funding
Our team can support more sophisticated funding structures, including bond issues and hybrid debt instruments. We help clients navigate regulatory considerations and ensure documentation aligns with their overall financing strategy.
Building strong foundations for future growth
From seed rounds to Series A and beyond, we advise start-ups and scaling businesses on securing the funding they need to grow. Whether you’re raising investment from angel investors, family offices, or early-stage venture funds, we help structure the deal to protect your interests and keep you on track for long-term success.
We draft and advise on investment agreements, convertible loan notes, shareholder arrangements, and more. We also act for investors and syndicates looking to fund promising early-stage businesses, handling due diligence, negotiating terms, and helping manage risk.
Our dual-sided experience ensures we move deals forward quickly, spot issues early, and protect your commercial priorities.
Sectors
Tailored support whatever your sector.
While we’re proud of our banking and finance expertise, our knowledge extends across many sectors, from rural and social housing to heritage, manufacturing, and beyond.