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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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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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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The terms of service created by Aria Grace Law CIC have been absolutely intrinsic in the success of our recent commercial results by significantly reducing red lines and push back barriers. They show that tier 1 level legal services don't have to be delivered in the traditional 'corporate' way!

Will Koning
eola CCO

I was introduced to Puja in the comments section of a partner's contract. It was rare to see such fair and balanced feedback and it clearly reflected the values of the brand we were working with. We were so intrigued we reached out to Puja to support Journey Further and we've been very impressed with the level of support, quality of service and quick turnaround provided. Thanks Puja and team.

Will Anderson
Head of Growth, Journey Further

Puja just gets it, she grasps the core of the issue quickly, responds quickly, and is a lovely person to work with. And on top of that Aria Grace plants trees and has a strong charitable donation program. Brilliant!

Angus Bradley
Managing Director, safedrop & Projectfusion

We were introduced to Aria Grace Law and Nick Bent for commercial legal support. Nick has done great work for us in developing contract templates and supporting us on data privacy concerns, providing us with valued legal insight and first class documents. We look forward to working with Aria Grace Law and Nick in the future on other projects.

Will Cookson
Co-Founder, Pangolin

We are thrilled to act as the legal counsel for SDRs of Germany and to support it on its journey. Helena and Mattia are inspiring individuals and it's an absolute pleasure to support them with their business. Sarah (my paralegal) and I look forward to our weekly check-ins with Helena and absolutely love how she operates She's commercially minded but fair and with a huge heart - I'm grateful that she's chosen us at Aria Grace Law CIC to be her legal counsel.

Puja Modha
Aria Grace Law CIC Partner

Aria Grace Law have given me first-class legal advice on a complex and ongoing commercial project, and have done so at an extraordinarily reasonable rate. In an often cutthroat world, their genuinely ethical business model stands out as a shining example of how business ought to be done, and I can't recommend their services highly enough.

Ben Saunders
Antarctic Explorer, Endurance Athlete, Motivational Speaker and Global Pioneer

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

We were introduced by Elena Cooper of Aria Grace Law to Nick Bent for commercial legal support. Nick has done fantastic work for us, providing invaluable help on our client contracts and other commercial matters. Nick is a highly valued business partner with his sound advice, speed of response and practical and solution-oriented approach. We could not recommend him and Aria Grace Law highly enough!

Nathan Abery
Founder, Opal

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

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

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

Of the many commercial lawyers I've engaged with, Puja stands out as someone who just 'gets it'. She strikes a delicate balance between driving commercially successful outcomes and appropriately managing risk, whether she's advising on an important customer agreement or a vendor contract. I'd strongly recommend Puja and the wider Aria Grace team, who are both experts at delivery and a pleasure to work with.

Steve Lamb
Head of Product, Kyckr

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

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

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 were introduced to Aria Grace Law and Lindsay Healy for commercial legal support. Nick Bent has done fantastic work for us, first redrafting all of our standard contract templates and then supporting us on specific client contracts. Nick is the trusted business partner we need, he gets to the core of matters quickly and has both a practical and legal perspective which we value. We get a solution-oriented approach with no jargon and with sound advice. We will continue using Aria Grace Law in future and I highly recommend their work.

Ollie Thomas
Co-Founder, Beyond Talent Global LTD

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

Puja and her team are exceptional. Puja is very generous with her advice and guidance. She made sure I understand the risks and walked me me through the proposed amends to the agreement that we worked on. From the costs point of view, she stayed within our budget and delivered ahead of deadline. I appreciate Puja’s professionalism, enthusiasm and warmth and looking forward to working with her and her team at Aria Grace Law again.

Martina Molinari
CMO, Manifest.Digital

I can't recommend Puja and the rest of the team at Aria Grace enough. Clear, concise and worked incredibly efficiently, and provided amazing value. The best part? They're a not-for-profit. It's rare to find legal help that's both top-notch and makes a difference in the world. If you need legal support that's professional yet approachable, while also doing some good, look no further.

Sandy Jayaraj
Founder, Claroptica Strategies Ltd

Working with Puja has been a real pleasure. She’s been able to provide exceptional advice, always with a commercial mindset which is super important, and she genuinely feels like an extension of my team.

Nirav Karia
Group Chief Operating Officer, Curation Corporation Limited

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