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Andrew Watson



Andrew is a Partner with over 25 years of experience in banking and finance transactions, and a particular focus on asset based lending, invoice finance, inventory finance, supplier finance and distribution finance.

His work covers international and syndicated transactions, as well as domestic arrangements. Andrew is one of the most well-known and highly regarded practitioners in this specialised area.

Andrew has advised a large number of financiers on new products and product development, including the drafting of standard documentation as well as structuring bespoke and innovative facility and security arrangements. He has a particular interest in the development of products that are designed to help funders and borrowers alike provide better funding solutions to the SME market, from commoditised advice for borrowers to systemising processes for funders.

Andrew also works with funders on portfolio issues and reviews, from distressed situations and restructuring to growing businesses and he consequently works closely with professionals within the wider finance industry, including corporate finance professionals, insolvency practitioners and intermediaries.

Andrew is also head of our Business Legal Services division in London.

Recent highlights

  • Advising a specialist acquisition finance and working capital provider on its provision of a bi-lateral £110m integrated debt and asset-based-lending facility.
  • Advising an asset-based-lender on its provision of an off balance sheet receivables financing solution to a multinational group of companies.
  • Advising on a £200m off balance sheet working capital facility to be provided to a manufacturer in the aircraft sector.
  • Advising the funder that provided a £125 million asset-based-lending-facility (including receivables, real estate and inventory) and assisting with the day-to-day management of the facility.
  • Advising a supply chain financier in relation to a reorganisation and restatement of existing facilities and their subsequent syndication.
  • Advising the Builders’ Merchants Federation on the provision to its members of HM Government’s Trade Credit Enterprise Finance Guarantee Scheme. This was the first ever deployment of the scheme via a UK Trade Association.

Market view

Andrew Watson provides an "exceptional and cost-effective service" - ​Legal 500 2016

Andrew possesses "genuine market-leading experience and refined technical knowledge in this area." - Chambers & Partners, 2015

Andrew is "vastly experienced" - Legal 500, 2014 

Read My Comments On The Latest News

  • 22/02/2016
    New Partner For Irwin Mitchell's Banking And Finance Team In London

    “Akhil impressed us from the start and we are extremely pleased he has chosen to join us. He comes with a strong reputation, excellent all round finance experience and will be a very welcome addition to our team. He has complimentary experience and clients and so will fit into the team well and his links with Indian clients are of particular interest to us.”

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  • 07/01/2016
    London's Economy Set To Grow But Lose Momentum In 2016

    “According to our report, London’s economy performed extremely well with year-on-year growth in Q3 of 2015 exceeding 3%. Although GVA is expected to increase at a slower rate in 2016, the value of our goods and services is still set to grow by £8billion. “The UK economy is set to battle stronger headwinds to growth in 2016 and although some of the momentum across the UK is set to be lost, the strength and resilience of London’s economy is clear.”

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  • 16/09/2015
    Irwin Mitchell Welcomes Two New Associates to Its London Office

    “ We are delighted to welcome Tom and Harleen to our Business Legal Services division in London. They both join us from well-respected firms and have valuable experience in Real Estate and Finance to augment our existing offering. I am sure they will play an active part in the continuing development of our Business Legal Services division in London.”

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