Ricardo is a highly experienced Corporate Banking Lawyer in Scotland, with extensive expertise in advising both lenders and borrowers across a broad spectrum of banking and finance transactions.
His practice spans general corporate banking, acquisition finance, real estate and development finance, project finance, housing finance, invoice and asset finance, shipping finance, crowdfunding, and restructuring/refinancing.
Regularly involved in complex and high-value transactions, Ricardo is particularly skilled in navigating multi-jurisdictional deals. He has substantial expertise in a range of key areas, including fixed and floating securities, guarantees, intercreditor issues, challengeable transactions, and deal structuring. Additionally, he has extensive experience drafting and updating standard lending, security, and guarantee documentation for a wide array of lenders, with a particular focus on alternative lenders operating in the UK market.
Ricardo has provided invaluable advice to clients across a range of industries, including healthcare, marine, renewables, retail, and food & drink. His clients include some of the most prominent lenders active in the UK market, from large international financial institutions to alternative and niche lenders. He also works closely with Scottish businesses, offering tailored legal advice on their banking and finance needs.