Banking & Finance Law

Banking and finance transactions demand precision and a clear understanding of market standards. At Aria Grace Law CIC, our lawyers combine technical expertise with practical insight gained from senior roles in investment banks. This experience allows us to anticipate challenges and advise on documentation, compliance and risk management across complex financial arrangements. Our goal is to help clients structure transactions that are robust, efficient and aligned with regulatory requirements.

We work with borrowers, lenders, trustees, arrangers and investors on a wide range of financing matters. Our advice covers bilateral and syndicated lending, trading documentation and collateral arrangements, as well as regulatory issues affecting financial institutions. With expertise in market-standard agreements such as the International Swaps and Derivatives Association (ISDA) Master Agreement and Loan Market Association (LMA) documentation, we ensure that your documentation is accurate, enforceable, and tailored to your commercial objectives.

Beyond transactional support, we assist clients with regulatory challenges, including Brexit-related restrictions, trading venue obligations and benchmark reform. Our lawyers have advised major banks on London Interbank Offered Rate (LIBOR) transition and negotiated amendments to derivatives and loan agreements. We aim to provide clarity in a complex regulatory environment, helping businesses manage risk and maintain compliance while adapting to evolving market conditions.

Want to learn how we can help?

Get in touch with one of our experienced lawyers to discuss your needs and find out how we can support you.

Key points

Market expertise

Advice informed by experience in leading investment banks.

Comprehensive coverage

Support for lending, trading and collateral arrangements.

Regulatory insight

Guidance on Brexit, LIBOR transition, and compliance issues.

Practical solutions

Documentation and strategies designed for clarity and enforceability.

How we do things differently

1. A model built on fairness

We operate as a Community Interest Company, meaning our profits don’t line shareholders’ pockets, they fund social impact. When you work with us, you’re choosing a legal partner that reinvests in education, environmental justice and grassroots initiatives. It’s law with purpose, designed to create value beyond the transaction.

2. Experienced lawyers, not billable quotas

Our lawyers keep 90% of fees, attracting senior talent from magic circle and elite firms. This means you work with experts who prioritise quality and outcomes, not billable-hour targets. Every piece of advice reflects decades of experience and a commitment to doing law differently.

3. Transparent pricing, no surprises

We believe in clarity – not just in contracts, but in costs. Our pricing is modular and transparent, so you know exactly what you’re paying for. No hidden extras, no unexpected charges, just fair, predictable fees.

4. Advice that works in practice

Legal advice should empower, not confuse. We deliver solutions that are practical, actionable and aligned with your business goals. Whether you need a single agreement or a suite of contracts, our focus is on clarity, efficiency and measurable impact.

Meet the team

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Hiroko Atherton

Partner | Solicitor

Hiroko has 20 years’ experience in the private investment fund and wealth management industry. She spent 9 years in private practice at Proskauer Rose and Travers Smith specialising in private equity, hedge, and other alternative fund structures.

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Parminder Bains

Partner | Solicitor

Parminder is a financial services lawyer with over 30 years of professional experience. He has worked in the legal departments of investment banks such as Credit Suisse, HSBC, Barclays, RBS, and Standard Chartered.

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Ian Hardee

Partner | Solicitor

Ian is a highly experienced finance lawyer. He was a partner at Clifford Chance and White & Case, was the first in-house lawyer in Asia for Wachovia Bank (later Wells Fargo Bank), and was later senior counsel at King & Wood Mallesons.

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Lindsay Healy

Founder | CEO

Lindsay Healy founded Aria Grace Law at the end of 2018. He is a corporate lawyer having spent the first part of his career working at Norton Rose Fulbright and latterly at Xchanging PLC/CSC a FTSE 250 company.

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Aria Grace Law are very efficient business lawyers who have helped our company on getting ready for the GDPR legislation and also reviewed some of our technology contracts – they provide a high quality, responsive service. They were able to ask me all the right questions and get a clear understanding of our business. They recommended the next steps that will help address compliance with the new legislation and improvements to our currents framework solutions. I will definitely use them again.

Paola Cavallin
General Counsel, Plextek

NVOY Technologies are the type of business which all companies should use. IT security is paramount to success and the solutions they offer are fantastic for business of all sizes and stages of growth. We were delighted to be able to support them and look forward to continuing the relationship well into the future.

Lindsay Healy
Aria Grace Law CIC Founder & CEO

We are delighted to have supported the shareholders of Alchemy on this important transaction. The deal reflects the strength of the business they have built and the strategic fit with NTT. This transaction was led by Louise Wolfson, former partner of a magic circle firm, who brings significant experience and ease to any corporate deal. It was also a proud first for us that she got to work with her father, Jeff Durkin, on this transaction.

Lindsay Healy
CEO, Aria Grace Law CIC

As well as being ethical, Lindsay and his team at Aria Grace Law are also amazing. I can't recommend them highly enough for corporate legal advice.

Caroline Monkhouse Flowers
Chief Operating Officer, Kafoodle

Thanks Lindsay Healy - Aria Grace Law CIC! I always look forward to working with you on the next crazy stage of our Send journey. It is a pleasure working with you and everyone at AGL.

Ben Huckel
Founder and Chief Operating Officer, Send Technology

We are delighted that we could support eola and Will, who we had previously worked with in other capacities. Their business and model is multi-faceted and with exciting high growth potential. The team were great to work with and we look forward to supporting eola into the future!

Puja Modha
AGL CIC Partner

Puja is an excellent lawyer. She knows how to complete complex work efficiently and effectively and she is very empathetic and reliable. Puja has been supporting me with creating AyurvedaDoc over the last few years and offers more than just legal support but has been imperative in the operations and marketing too. With her knowledge and experience, she immediately understands most situations and consistently helps me to work through any challenges that AyurvedaDoc faces. I have no hesitation in recommending Puja.

Susheel Saini
Chief Executive Officer & Founder, AyurvedaDoc

Having run my busy practice for 10 years, I struggled to find a consultancy law firm that really offered the autonomy that they promised…until I found Aria Grace Law CIC. AGL gave me the peace of mind to move my busy practice over and to continue my independent journey in the legal profession. It was very much about what the law firm can do for me to enable me to look after my clients whilst continuing to grow.

Susanne Cheung
Partner, Aria Grace Law CIC

In what turned out to be a very complex transaction across multiple jurisdictions Beata and Aria Grace Law worked tirelessly and comprehensively to get it over the line. This was our second transaction but the first involving Kenyan registered security, a trust account and cash flow management documentation along with a Dubai based head office for the borrower. Whilst the transaction parties operate in different time zones, Beata ensured that the negotiation progressed as smooth as possible; helped us to find the most suitable solutions from due diligence through to completion. Beata closely supervised and directed local lawyers, was able to familiarise herself with local law requirements and address these in the transaction documents. Through Aria Grace Law we have all benefitted from top-quality lawyers for a very competitive price. A big thank you to Beata whose attention to detail and management of multiple jurisdictions and counterparties was invaluable. We would certainly recommend her and Aria Grace Law.

Stephen Lake
Founder, Benvell HK Limited

I was recommended Aria Grace Law’s services for a project I’m working on, that focuses on ending cruelty in the Wildlife Tourism industry. Lindsay was incredibly generous, offering his time and expertise to get this project off the ground. It’s great to know that legal help is available for ethical enterprises, at a fraction of the cost of most law firms. Plus, Lindsay is a pleasure to deal with, which always helps the process!

Aaron ‘Bertie’ Gekoski
Environmental Photojournalist for Raise the Red Flag, part of Born Free Foundation

Louise provides invaluable corporate transactional support to DJB and enables us to offer a fuller service to our clients. She provides a seamless and cost-effective service and punctually delivers high-quality legal advice with flexibility and a can-do attitude.

Madeleine Davitt
Senior Partner, Davitt Jones Bould

Working with Aria Grace Law CIC was exactly what I was hoping for. An effective solution to my requirements that was delivered with high quality and a personal touch. Knowing that they have industry leading Partners and a wide range of capabilities made me confident in engaging with them.

Steve Wilde
NVOY Technologies Founder & CEO

Puja and her team has excellent knowledge on data protection and compliance topics. She is very thorough and diligent in her approach. She always keeps the best interest of her client in all her responses. Wish you the best Puja.

Snehhil Gupta
Chief Technology Officer, Bython

We are 1000% happy with Aria Grace Law.

Claire Altman
Chief Corporate Officer, Smart Pension

We’ve been instructing Aria Grace Law for over 1 year now and can’t recommend Lindsay and Puja enough for their support. They have assisted Kyckr on all of its commercial legal matters including negotiating contracts with customers and third parties. Puja has also supported us on compliance matters including in respect of data protection. Both Lindsay and Puja are real partners that understand our business and consistently provide us with pragmatic and commercially sensitive advice. The speed in which they operate, coupled by their very compelling hourly fees, makes them our lawyers of choice.

Dharmendra Patel
Group Financial Director, Kyckr

Excellence begins long before the outcome. It begins with a determination to aim and achieve higher. The choice to act when what lies ahead carries exceptional promise. For me, that is unquestionably what AGL embodies. It is the rare opportunity to join a firm where expectations are elevated and the pace is set by those who lead, not follow. It is the freedom to operate in a space where only worthwhile opportunities stand out, rare moments lift and inspire you, giving you the room to advance on your own terms. Fortune favours those who seize moments like this and with every step I have taken at AGL, I have been reminded exactly why it was the right decision for me.

Karim Assaad
Partner, Aria Grace Law CIC

We originally engaged Aria Grace Law to support Clear Review with implementing the legal mechanisms required to enable restricted transfers of personal data. Impressed by Aria Grace Law's approach to legal services’ delivery, we engaged this ethical partnership again for additional deliverables. Aria Grace’s ethical approach to business resonates with Clear Review’s and our values and I would not hesitate to recommend Lindsay and his team to other organisations: we’ve found them diligent, responsive, and willing to go the “extra mile” to deliver a qualitative service.

Gian Piero Zambrini
Head of Privacy & Information, Clear Review

We were delighted with our choice of M&A advisors for this very significant transaction. Aria Grace spent their time understanding our business and handled the complex matters with great ease and efficiency. Louise Wolfson and Jeff Durkin and Elena Cooper were a wonderful team led by relationship partner and CEO Lindsay Healy, we felt very well taken care of throughout. I personally could not imagine a better partner and would not hesitate to choose this team again.

John Harkin
CEO, Alchemy Technology Services Limited

I would highly recommend Puja! She is super professional, understands the big picture commercial issues and thorough in her analyses especially on privacy matters.

Carol Kilgore
Head of Legal, Opia

Puja and the Aria Grace Law team have been supporting Kyckr for over 18 months and have been fantastic partners to us. Puja understands our business and listens to what we want to achieve and helps us to put the legal framework in place. Her legal advice is consistently clear and pragmatic whether it be it be in respect of commercial, employment or compliance matters. She is diligent and provides her input quickly and has a real appreciation for Kyckr's software. I have no hesitation in recommending Puja as a lawyer.

Ian Henderson
Chief Executive Officer, Kyckr

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