We stand at the forefront of finance legal work in Scotland. Trusted by banks, financial institutions, borrowers, and investors, we can help you with finance transactions across various markets — from local, corporate, and commercial loans to Scottish advice on global transactions.

This year will bring fresh challenges to UK banking and finance—regulatory changes, shifting customer expectations, and growing competition. However, those who adapt efficiently can turn these into opportunities. That’s where we can help.

Drawing from decades of experience in this field, our legal experts stand at the ready. We will offer you clear, strategic advice to steer you through the shifting tides. We are well-versed in every aspect of finance legal work, including: 

  • Corporate lending 

  • Secured lending 

  • Corporate debt transactions 

  • PFI/PPP transactions 

  • Loan-book sales 

  • Restructuring 

  • Distressed loans 

  • Standard form documentation for lenders 

  • Cross-border financing 

  • Real estate finance 

  • Project finance 

  • Asset-backed finance 

  • Structured finance 

We’re one of the most trusted legal partners this sector, representing all of the UK’s clearing banks. We also regularly work with global financial institutions, debt funds, domestic and international borrowers, and sponsor clients.  

Whatever your finance legal issues, you will be in safe hands.

Renowned across Scotland and the UK, our team leads the way in asset-based lending. We’ve helped banks, lessors, lessees, brokers, and more. Our expertise casts a wide net, including marine and aviation finance, equipment finance, vehicle finance and receivables finance. 

Beyond this, we can help with documentation, transactions, and regulatory insights. Harnessing our partnerships with English and international legal firms, we ensure no stone goes unturned. We can also offer you specialist Scottish legal advice to help your transactions go smoothly.

We help lenders, borrowers, and sponsors deal with a wide range of debt finance transactions. These include acquisition finance, real estate finance, sales of performing and non-performing loan portfolios, and finance for marine and aviation sectors. 

Given our strong and varied client base, we can offer you a broad perspective. We’re also connected with firms across the globe, meaning our debt finance advise is always highly specialised.  

We have extensive experience in advising sponsors, funds, financial institutions and local authorities on project finance (including major infrastructure and PFI/PPP/NPD projects) and renewable energy financing. 

Our lawyers are experienced in negotiating finance, security and guarantee packages for both the private and public sectors for green-field and brown-field energy projects and frequently advise a range of clients (on both buy-side and sell-side) in the secondary market for project financed backed structures with extensive experience on the sale and purchase of renewable and infrastructure asset equity investments.

The fast-paced changes in regulatory frameworks (especially in areas like mortgages and consumer credit) place a heavy compliance burden on firms. By integrating with your internal teams, we can provide the expertise needed to fill any knowledge gaps.

Additionally, if you’re an English law firm that lacks a retail finance team, our team can help. We’ve supported many English firms with their transactions, often advising on matters taken to English counsel. 

The team has a very comprehensive understanding of the asset finance market and the legal issues affecting lenders in that market. They have the knowledge to handle complex matters and we always feel we're being well supported.

Chambers and Partners

The complex issues on the transaction were dealt with quickly and with clear, concise and commercial advice.

Chambers and Partners

Morton Fraser MacRoberts always provides a very thorough understanding of the topics and articulates them in an understandable way.

Chambers and Partners

The firm has become our go-to legal firm as they understand our business needs and they are always on hand to provide clear jargon-free advice and guidance.

Chambers and Partners

The firm has a very strong consumer finance team but they also have breadth across the team to deal with any other specialism where required.

Chambers and Partners

We'll work in partnership with you

There’s a reason we’re on the panels of banking’s industry leaders, and the go-to legal team for the Scottish market. Yes, our expertise in this sector is unrivalled, but our success is also built on trusted, long-term relationships.  

Known for our commercially focused expertise, we often work alongside Magic Circle firms to manage the Scottish aspects of multi-jurisdiction transactions. We will work closely with you to find practical solutions for any challenge you face. 

Moreover, our service is fully integrated, covering tax, corporate, construction, litigation, regulation and insolvency. Ultimately, we want you to see us more than legal counsel, but as a trusted partner in your success.  

Make an Enquiry

From our offices we serve the whole of Scotland, as well as clients around the world with interests in Scotland. Please complete the form below, and a member of our team will be in touch shortly.

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