Non-Bank Financial Institutions

Non-Bank Financial Institutions

Helping non-bank financial institutions navigate change

With the techniques for connecting capital to financial assets constantly evolving and with rapid change now the norm across the entire value chain for non-bank financial institutions, our ability to anticipate and respond to major developments puts us at the forefront of the industry.

Staying ahead of these changes requires a combination of structuring skills, relationships with industry participants, regulatory and tax expertise, IT capability, experience in all funding techniques, M&A skills and a deep understanding of the direct and indirect business drivers behind financial transactions.

Our extensive experience of advising financial institutions enables us to provide critical insight to clients who provide their products services to this sector.

As a client, you benefit from our critical insight and our commitment to helping you achieve your goals.

We advise on:

  • Structuring
  • Funding structures including unitranche, senior, junior, supersenior facilities
  • Whole loan acquisitions and disposals
  • Standard loan documentation and procedures
  • Peer to peer (P2P) lending 
  • Regulation and payment services
  • Retail credit regulation
  • Authorisation and registration
  • Privacy and Anti-Money Laundering (AML/CTF)
  • Independent reviews
  • Conduct and risk assessments.

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Our experience of providing legal advice to non-bank financial institutions includes:

  • Alibaba, Lufax and other Chinese P2P lending platforms and Money&Co, MarketInvoice, and other UK P2P lending platforms
  • Pepper Homeloans on a large range of funding activities including the A$5bn acquisition of GE’s prime and non-conforming Australian and New Zealand residential mortgage loan book
  • Nan Fung Investment China Holdings Limited on its bridge financing for the US$579.3m acquisition of the Shanghai Mart, located in the Shanghai Hongqiao Economic Development Zone
  • Eurazéo PME, Axa Private Equity and Capzanine on the unitranche refinancing of FDS as well as the subsequent financing of the acquisition of Canadian assets from AGS Group Inc by Financière de Siam
  • Various international debt funds such as ICG, Babson, KKR Credit and Sankaty on mezzanine and/or Holdco PIK financings in Australia and New Zealand; and various international debt funds, including ICG in connection with various unitranche facilities for UK acquisitions / refinancings
  • A number of financial leasing companies in their aircraft and other leasing business, including ICBC Leasing and Minsheng Leasing
  • A number of auto financing companies in China on their set-up, products and operations, including Ford, Nissan, General Motor and Volvo.
"The team enjoys close relationships with alternative lenders, overseas financial institutions and investment banks."

Chambers

Your key contacts

We have a full team specialising in this area.

Discover our latest insights into legal issues affecting your business

Offering co-investment opportunities to certain fund investors is a key trend for fund sponsors in establishing alternative investment funds.

25 June 2018

Before 1 July 2017, entities need to determine whether they are characterised as “Reporting Financial Institutions” under the OECD Common Reporting Standard.

05 May 2017

Singapore signs its first Competent Authority Agreement under the OECD Common Reporting Standard, with Australia.

09 September 2016

A summary of the changes made to the PRC’s Catalogue for the Guidance of Foreign Investment Industries and the way forward for future iterations.

27 May 2015