Property Finance, Banking & Structuring

We Provide Expertise In All The Following Areas:

  • Acquisition finance
  • Asset-based lending / finance leasing
  • Cross-border secured lending
  • Project finance
  • Property finance
  • Structured finance 


Asset Based Lending

Asset based lending (ABL) enables larger businesses to raise higher levels of funding, ideal for facilitating strategic plans or simply releasing additional working capital.  It can provide an option for businesses looking to finance a management buy-out/buy-in, a merger or an acquisition. This can also include collateral such as Asset finance including Aircraft, ships & commercial vehicles.


Stirling Ackroyd Legal has a specialist team to assist with all matters concerning Asset Based Lending which combines invoice finance with funds released against other business assets, such as stock, property, plant and machinery, providing additional capital than invoice financing alone.

General Secured and Structured Lending

“Structured Finance” refers to Fixed Income products, mostly mortgage-backed securities (MBS) and asset-backed securities (ABS).

An asset-backed security is a security whose value and payments come from and are backed by a collection of assets, for example home loans, student loans, and car loans etc.

A mortgage-backed security is a part of ABS, where the security represents a claim on the cash flows from mortgage loans.

“Structured” means that these securities are secured – backed by collateral. In Structured Finance, Stirling Ackroyd Legal can help companies raise capital by creating (“structuring”) these types of securities and then selling them to investors.

Bridging Finance

Bridging Finance or Bridging loans are a short-term funding option. They are used to 'bridge' a gap between an incoming debt coming - generally property related - and the main line of credit becoming available. A bridging loan can be useful to help fund a house purchase while you wait for your existing property to sell. This can be anything from 3 weeks to 3 years, with some finance houses requiring a minimum term.

If you're experiencing difficulty with a house sale, a bridging loan may be the answer, but we strongly recommend seeking professional advice before embarking on bridging finance. At Stirling Ackroyd Legal, we would go through all the paperwork and ensure you have a clear understanding of exactly what is involved and what it will cost.

Development and Construction Finance

Investment in property can be as challenging as it is exciting, and while property development can offer a good return, expertise in funding, planning and construction is vital. Whether you are first time developer or an experienced corporate developer, Stirling Ackroyd Legal can offer expert advice across a range of property development finance, including purchasing land, refurbishment or renovation of existing properties and new buildings. We can assist with the following:

  • Specialist property development loans
  • Raising finance 
  • Cost of financing
  • Commercial investment or investment in commercial properties
  • Tax planning and advice on tax liabilities

If you have any queries regarding property development finance, then please contact our specialist property development and construction team.

Invoice and Commercial Finance

Invoice discounting and factoring enable businesses to release money that is tied up in unpaid invoices.
Both methods involve a third party company advancing money against outstanding debtor balances – a form of asset based lending.

With significant growth and an increasing reliance on invoice financing and factoring, it isn’t surprising that without a full understanding of the facts involved or, indeed, the finance house, things can go awry.  If you are considering invoice or commercial finance, our team at Stirling Ackroyd Legal can help with the following:

  • Conduct due diligence on different types of funding
  • Highlight lending options
  • Draw up the arrangements and implement the process
  • Provide advice on drafting contracts
  • Draft and enforce securities including guarantees and indemnities
  • Handle all aspects of the transaction and recovering factored debts

We want you to be sure you know your rights and exactly what you’re signing. Contact our specialist Invoice and commercial finance team.

Debt Restructuring & Distressed Debt Sales

Debt restructuring is a process that allows a private or public company facing cash flow problems and financial distress to reduce and renegotiate its debts in order for it to continue its operations.

Stirling Ackroyd Legal’s debt restructuring team have extensive experience in representing companies under financial distress or those in need of refinancing, contingency planning or restructuring.