Reshma Jogia

With more than 24 years’ experience, Reshma specialises in advising on multi-pound, cross- border and strategically important transactions.

Working with banks, alternative lenders, investors, governmental bodies and corporate borrowers, Reshma’s work spans the full lifecycle of finance work, from early structuring and term sheet negotiation through to due diligence, documentation, completion, and post-completion implementation.

Reshma’s expertise includes negotiating facility agreements (from bilateral to large and complex Loan Market Association syndicated facilities), security documents (including debentures, legal charges, guarantees, deeds of priority, intercreditor and subordination arrangements), and advising on funding structures involving acquisition finance, asset finance, trade finance, real estate finance and development finance.

She also advises on refinancing and restructuring existing debt facilities including amendments, restatements, covenant resets, waiver arrangements and cashflow-driven refinancings, and supports clients with the production of precedent documents and practical processes that help lenders and borrowers approach future transactions more consistently and efficiently.

Examples of Reshma’s work include:

• Advising a bank in its lending of £13.2 million to a company providing production space for the filming and television industry.
• Advising a car dealership with the banking elements of a restructure and its additional borrowing of circa £7.5 million in addition to an existing facility of £26 million.
• Advising an electronic security business on its additional borrowing of £2.1 million from its existing lender.
• Advising a governmental body on lending to registered social landlords under its innovative housing programme and related schemes.
• Advising a roadside retail business on complex funding arrangements for multiple asset and property acquisitions, with aggregate funding of approximately £50 million.
• Advising on a real estate healthcare investment fund for a substantial portfolio of doctors’ surgeries and healthcare centres, including refinancing approximately £265 million of existing debt and new debt of approximately £190 million.
• Advising a hotel chain on facilities of approximately £22.7 million from a private bank.