Finance & funding solicitors
Whether you are a social housing provider, health and social care organisation or social enterprise, we navigate the legal complexities helping you secure the finance needed to achieve your organisation’s mission. We provide straightforward and pragmatic advice that helps secure finance and guide you through complex transactions with confidence. We also specialise in advising social impact lenders and investors on structuring and documenting their loans and security in a way that is as simple as possible but also gives them the protections that they require.
Social housing finance
We are one of the UK’s leading law firms advising housing associations in England, Wales and Northern Ireland on entering into loan arrangements. We understand the financial pressures social housing providers face when balancing the need for investment into the development of much-needed affordable homes, existing stock and any refurbishment programmes, offering services such as debt funding and refinancing.
Our finance solicitors are on your side and can help guide you through any borrowing, lending arrangements and complex financing transactions. Our specialist finance team will work closely with your in-house treasury team to secure the finance you need, when you need it and on the right terms, to meet your strategic goals.
From loan agreements and refinancing, to security arrangements and capital markets transactions, our team provides borrower-focused advice designed to protect your organisation and support long-term investment in social housing.
Contact our team to find out more about the options available to registered providers of social housing.
Finance for health & social care
Anthony Collins is a trusted and highly valued legal partner to organisations across the health and social care sector.
Our health and social care solicitors know what it’s like to run a health and social care business; the financial and operational pressures you face every day. We can help you to manage risk in relation to your loan arrangements.
The specialist services provided by our finance & funding solicitors include advising on borrowing arrangements, loan agreements, refinancing projects and security structures. We work with health and social care organisations to support complex financing transactions, protect your long-term financial interests and ensure financing arrangements are structured on the right terms for your organisation. This may be for refinancing existing debt, property development, purchasing care properties or for share acquisitions.
Contact our specialist finance & funding team to find out how we can support your organisation.
Social business finance and social impact lenders & investors
With years of experience working on finance with social business enterprises such as co-operatives and community-led trusts, we know exactly what makes community-based enterprises tick.
Our sector specialists can help you to navigate complex financing arrangements and access the capital needed to support long-term growth, investment and resilience.
Drawing on the experience of our finance & funding solicitors, we advise you on the borrowing arrangements, refinancing projects and the legal considerations involved in securing finance on the right terms for your organisation.
Our specialist services include advising on loan agreements, security arrangements, refinancing and restructuring projects and lender negotiations.
Our finance & funding solicitors have many years’ experience in advising social impact lenders and social impact investors to enable them to make a positive and sustainable impact through lending to purpose-driven organisations. This, together with our knowledge of the sectors that they lend into, means that we provide them with the best advice on structuring and documenting their loans and security in a way that is as simple as possible but also gives them the protections that they require.
Contact our specialist finance & funding team to find out how we can support your organisation.
Local government finance
Anthony Collins’ local government lawyers have first-hand knowledge of working within councils, so we understand the financial legalities from the inside and out.
Our specialist team can advise local government clients on complex finance arrangements linked to major projects, joint ventures, regeneration and long-term investment. Our finance solicitors provide insightful advice on borrowing, lending, refinancing and security structures, helping councils navigate transactions confidently.
Contact our finance & funding solicitors to find out how we can support your organisation.
Finance for education providers
Anthony Collins advises education providers on their loan arrangements linked to investment and development. Whether you are a multi-academy trust looking to expand, a university funding a new campus development, or a college upgrading its facilities, we can tailor our approach to align with your strategic goals and provide support on borrowing, refinancing, loan agreements and security structures.
Contact our finance & funding solicitors to find out how we can support your educational institution.
Finance for charities & faith-based organisations
Our specialist finance solicitors understand the unique challenges faced by charities and faith-based organisations. We can provide advice and clarity on the loan finance options available to you, such as borrowing arrangements, loan agreements, refinancing and security structures, helping organisations secure finance with confidence.
By combining sector knowledge with technical expertise, we help protect your organisation’s long-term financial interests while supporting your mission and community impact.
Contact our sector-specific finance & funding solicitors to find out what we can do for your organisation.
Why Choose Anthony Collins as a borrower?
When your organisation seeks loan finance, you aren’t just looking for capital, you’re looking for the means to build affordable or social homes, support vulnerable people or revitalise a community. At Anthony Collins, we believe your legal partner should care as much about this positive social impact as you do.Here is why organisations across the housing, local government, social business, education and third sectors choose us to secure their financial future.
Making it simple and straightforward
We act as your advocate, ensuring that funding terms are fair, transparent, and sustainable. We don’t just understand the finance documentation, we strip away the jargon and hidden complexities to ensure that, no matter how complex the transaction is, we make it as simple and straightforward as possible for you.
A force for good
Our B Corp status is not just a badge. It is a roadmap for our Strategy 2030, which pledges to double our social impact over the next five years. When you choose Anthony Collins, you are partnering with a business that is independently verified to meet the highest standards of social performance and public accountability. We believe that law can and should be a force for good, and our certification ensures we remain focused on that goal in everything we do.
Deep sector understanding
You don’t need to catch us up on the challenges you face, because we live and breathe them. Our specialist teams have a deep understanding of the regulatory landscapes that govern your work. For housing providers, we navigate the complexities of the Regulator of Social Housing whilst protecting your viability grading. For charities, we ensure every investment aligns perfectly with Charity Commission guidance and your founding mission. We also balance the need for innovation with the rigorous requirements of public-sector accountability for our local government clients.
Strategic long-term partner
The most successful finance projects start long before the first contract is drafted. We act as a strategic partner from the outset to help you structure your ideas for success. Whether it is reviewing your constitution to ensure you are finance-ready or helping you justify a complex financial strategy to your board, we are the strategic ally you need to guide you in a challenging yet dynamic sector.
Why choose Anthony Collins as a lender or investor?
When lending to or investing in organisations that deliver social value, you need legal advice that both protects your position and recognises the wider purpose of the transaction. Whether you are supporting affordable housing, health and social care, education, charities or social businesses, we understand the importance of balancing robust financial arrangements and positive social impact.
Clear and practical advice
Our team can help you structure and document finance arrangements that are commercially sound and robust. We pride ourselves on giving clear, practical legal advice on risks and deliverability, helping you progress transactions efficiently.
We’re a B Corp
As a B Corp firm, we understand just how important it is that investment delivers more than financial return. Our commitment to using law as a force for good means we are well placed to support lenders and investors who want to deploy capital responsibly and contribute to long-term social impact.
Experts in our sector
We work with clients across housing, local government, social business, health and social care, education, charities and the wider third sector, meaning that we have first-hand insight into the regulatory, governance and operational pressures borrowers face. We can help you assess transactions in context, anticipate potential issues and support funding arrangements that work for all parties.
Trusted partners
We work with lenders and investors as a trusted strategic partner. From initial structuring and due diligence through to negotiation, completion and ongoing relationships, we help you make informed decisions and support finance arrangements that are sustainable, secure and aligned with your objectives.
Meet our experts
Our finance and funding team brings together specialist lawyers who understand how complex funding arrangements work in practice for purpose-driven organisations.
Adriana Klincova
Since joining AC in 2019, Adriana has become an asset to our funding team.
Legal Director
Governance, funding & corporate
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Jon Coane
As head of our funding team, Jon leans on his 25 years of experience as a social impact finance lawyer.
Partner
Governance, funding & corporate
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Julia Robertson
Partner in the firm, Julia leads the property charging department advising housing associations on a wide range of property finance matters.
Partner
Property
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Lucy Callow
Lucy is an associate in the banking and finance team, bringing over ten years’ experience working in-house at an international bank.
Associate
Governance, funding & corporate
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Michael Nutman
Michael a senior associate in the banking and finance team advising both borrower and lender clients with (primarily) debt finance, project finance and development finance arrangements spanning the social housing, social care, social business and charity sectors.
Senior Associate
Governance, funding & corporate
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Sarah Kay
Sarah is an associate in our property team specialising in property charging for housing associations.
Associate
Property
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Tom Corrigan
Tom is an associate in the construction team, advising public sector clients, not-for-profits and housing associations on projects, disputes and funding matters.
Associate
Projects
View profile Learn more about Tom CorriganCase studies
Supporting Be One Homes in securing £75m funding to deliver 300 new social properties
Learn moreFrequently asked questions
There are a lot of funding options available to housing providers, which is positive as it should help to accelerate development activity. From Autumn 2026, a new option for some will be the National Housing Bank, a subsidiary of Homes England, that will offer a range of attractive funding products, such as low-interest loans, guarantees and equity and our specialist solicitors will guide you through the detail. We can help you to keep an eye on the funding market too, so you know when new products are available.
Yes, this is possible. Homes England has confirmed that 10% of the total funding provided for loans to housing associations can be accessed from the National Housing Bank is set aside to support the delivery of social and affordable homes.
With rising costs, increased regulatory demands and constrained rental income, exploring ways to restructure existing funding arrangements to optimise efficiency and ensure financial covenant compliance is important to ensure financial resilience.
With rising costs, increased regulatory demands and constrained rental income, exploring ways to restructure existing funding arrangements to optimise efficiency and ensure financial covenant compliance is important to ensure financial resilience.
The agreements on rent convergence, rent settlement and the Social & Affordable Homes Programme, with £39 billion funding for the period 2026-2036, and the National Housing Bank funding for housing associations, have contributed to a more optimistic outlook for registered providers, especially those seeking to develop new units, but financial pressures remain. In addition to this, the commercial lenders in this sector remain very supportive and regularly create new competitive funding products to help housing associations with their funding requirements. As well as taking steps to mitigate financial risks and protect funding lines, housing associations may need to consider alternative sources of funding, including off-balance sheet funding. Our funding and finance solicitors will explain the up-to-date options clearly, and support your treasury team in making the right decisions.
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