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Renata Rai

Renata Rai


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Renata is a director in our banking & finance team and has more than 12 years’ experience advising on banking & finance matters, including financing provided by clearing banks, asset based lenders and funds. Renata completed a secondment in the legal team of a UK clearing bank, focussing in particular on the asset based lending portfolio. She is a solicitor of England and Wales and, prior to joining Freeths LLP, spent several years working in Dubai and has an in-depth knowledge of financing structures in the Middle East.

Her practice extends across the spectrum of banking & finance matters from transactional work such as acquisition finance and real estate finance to bespoke structures, such as structured inventory products and asset based lending products. Renata advises both financiers and their customers and has experience of both conventional and Islamic structures. She has also been involved in drafting and maintaining funders’ standard documents.

Renata also has experience of restructuring matters, including portfolio review and exit planning for financiers and options analysis for borrowers.

Renata is listed as a Recommended Lawyer in the Legal 500 (2020 edition).

Legal Services

Banking & Finance

Recent Work

  • Acting for the borrower on a £13,870,000 financing for the acquisition and development of an assisted living facility;
  • Acting for a listed plc in amending its senior facilities and increasing the level of invoice discounting facilities available to it. Total facilities were circa £200,000,000;
  • Acting for a Midlands-based company on a £17,500,000 asset based lending facility to support a management buyout;
  • Advising an asset based lender on the reorganisation of an existing borrower client by way of business transfer and implementing new financing (by way of invoice discounting) within the borrower group;
  • Advising ThinCats on the financing it provided to Fastenex (Industrial Fasteners) Ltd in connection with the acquisition of Company Fasteners Limited.
  • Acting for an asset based lender providing receivables finance, cash flow and term loan facilities (aggregate £11,000,000) to a group of companies in the recruitment sector in the context of an MBO.
  • Providing a lender with legal options where the borrower group was on the brink of insolvency, where lender exposure was circa £30,000,000, including contingency planning and value break assessment on a successful restructuring versus a forced insolvency.
  • Advising an asset based lender providing receivables finance, plant and machinery and inventory facilities of £45,000,000.
  • Acting as lead regional counsel to a fund which was financing a group of companies. Renata’s role included coordinating security across four jurisdictions and advising on the best available security structures for the underlying asset type, given the different local law security perfection and registration regimes.
  • Acting for a borrower group on the £265,000,000 syndicated finance facility provided in connection with hospitality operations, comprising three hotels and a mall.
  • Acting for the borrower group on a $600,000,000 syndicated acquisition financing in the energy sector.


To contact Renata or for more information…

Call: 0845 272 5737
Mobile: 07970 430981
Or email: Send an email



“We engaged Renata on a number of critical matters and could not have been happier with the results. Renata has a keen eye for detail, articulates herself extremely well and isn’t afraid to raise constructive challenges. Besides Renata’s sharp eye for detail and deep legal knowledge, she also provided a hugely confident sounding board and one for which we will always be grateful.”

“Renata is responsive, attentive, commercial and understands the needs of her clients. She is a pleasure to work with – delivering high quality legal advice tailored to the relevant situation.”

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