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Template Clause or Unknown Risk Waiting to Happen?

When things go wrong in lending relationships, a lender will often reach for the default interest clause – being a…
KONSKIE, POLAND - August 18, 2019: FCA Financial Conduct Authority logo on mobile phone

The new FCA rules for tackling non-financial misconduct in financial services

The FCA released a consultation paper on the 2nd of July 2025 seeking feedback on draft guidance to assist firms…
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Advising The Exclusive Collection on strategic banking facility

Herrington Carmichael’s banking team were advised The Exclusive Collection on the re-finance of its existing banking facilities….
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Advising Buyline on strategic facility with BCI Capital

Herrington Carmichael’s banking team advised the point-of-sale finance provider, Buyline, on a significant facility with BCI Capital….
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How do I remove charges and restrictions where the lending company has been dissolved?

Upon lending company dissolution, if there are any property or rights to which the lending company is entitled……
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Director disqualifications in 2022

Director disqualification related to dissolved companies is not new, but in 2022 there was greater risk of it….
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Buying assets and business from an insolvent company

You can buy assets from an insolvent company, but the process is slightly different to acquiring assets of a solvent…
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Creditors’ Voluntary Liquidation | What is it and how does it apply to me?

Under a Creditors’ Voluntary Liquidation, the shareholders of a company themselves resolve to wind-up the company and then an insolvency…
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Members’ Voluntary Liquidation | What is it and how does it apply to me?

Under a Members’ Voluntary Liquidation, the shareholders of a company themselves resolve to wind-up the company with an insolvency practitioner…
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Warrants – an equity kicker on a debt investment: Q&A with Yavan Brar & Chris Gemson of Herrington Carmichael

Equity Warrants permit debt or equity investors to subscribe for a particular class of shares in an investee company….
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Making your term loan business friendly

There are several ways to make a term loan facility suit your needs, at the same time as keeping your…
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Mortgage Holidays – A helping hand from Lenders

In these unprecedented times both mortgage lenders and borrowers are encountering new situations and potential challenges to……