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 us?
Clear and practical advice
Finance transactions can be complex, but our advice does not need to be. We provide clear, practical guidance on finance arrangements, risks and documentation, stripping away unnecessary jargon. Whether you are raising capital or providing funding or investment, we help you understand what matters and progress transactions efficiently.
Deep sector understanding
We understand the regulatory, governance and operational pressures facing organisations delivering essential services and social impact. Our experience across housing, local government, social business, health and social care, education, charities and the wider third sector means we can identify potential issues early, understand them in context and help structure funding arrangements that are robust and deliverable.
A force for good
As a B Corp, we share the ambition of organisations that want finance and investment to achieve more than a financial return. Our commitment to using law as a force for good means we understand the importance of balancing commercial objectives with long-term social and community impact.
A strategic partner
The most successful finance projects start before the first contract is drafted and continue beyond completion. We work alongside borrowers, lenders and investors from initial structuring and due diligence through to negotiation and completion. By understanding your objectives from the outset, we help you make informed decisions and put funding arrangements in place that are sustainable, secure and support your long-term goals.

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.
Case studies

Supporting Be One Homes in securing £75m funding to deliver 300 new social properties
Learn more
Supporting Magenta Living with a £77m funding package to invest in new and existing homes
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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