Bio

Richard Cowan is a Partner in our corporate team. Richard is a specialist transactional banking and finance lawyer who prepares and negotiates facility agreements, security and guarantee documentation, and intercreditor deeds. He acts for a wide range of lenders (including clearing banks, challenger banks and alternative debt providers and debt funds), corporate borrowers and institutional investors in financing most aspects of corporate lending transactions. He has particular expertise in acting on leveraged and structured finance transactions (including MBOs, MBI's and IBO's), as well as real estate investment and development finance. Richard also has considerable experience of handling general corporate banking matters. Over the past 15 years, Richard has acted for many of the largest corporates in the North West of England, as well as for growth businesses requiring advice and assistance with their financing requirements. He also regularly works on matters which have an international dimension and prior to joining us he worked for an international law firm. The Legal 500 describes Richard as “an excellent, hard-working and committed lawyer who always puts the clients’ commercial goals first. He is an excellent draftsman and very easy to work with. He is calm under pressure and always ready to adapt his approach to fit the moving requirements of ongoing negotiations, producing very well-drafted and thought-through documents which are fairly balanced and allow the deal to “get done” with minimum fuss and wasted time". Previous editions noted that Richard is 'very proactive and delivers a high level of service” and ‘I have dealt with Richard Cowan on a number of transactions and I really value his partner-led service and attention to detail. He and his team have always been quick to respond and complete transactions in a timely manner.’ Chambers Directory, described Richard as “experienced in acting for alternative lenders. He has particular expertise in leveraged finance, real estate finance and restructuring matters. He assists borrower and lender-side clients with mezzanine debt, refinancing and acquisitions among other matters”. Richard joined us in 2019 and is based in our Manchester office.