Banking & Finance

Financial institutions must adapt their processes and financing structures to changing capital requirements and stricter European rules of conduct. These developments have a direct impact on transactions and require continuous attention to compliance in a market subject to regulatory oversight.
Banking & Finance

New requirements for capital, stricter rules of conduct and more complex European legislation have all had an effect on the financial markets. Financial institutions must always respond swiftly to developments in the financial sector and comply with constantly changing laws and regulations. Houthoff’s Banking & Finance Team has a comprehensive knowledge of the financial sector, and the laws and regulations that govern it. The experienced Banking & Finance Team provides services to domestic and foreign banks, investors, other financial institutions, large companies and supervisory authorities. Our specialists give advice on a large variety of banking and financial transactions. This can involve high-end acquisition, real estate, asset or project financing, syndicated or bilateral loans, or restructuring, all of this in the context of complex financial regulations and legislation.

Our expertise in Banking & Finance

Parties in cross-border – and mostly complex – financial transactions can become caught up in the web of international legislation. Supervisory authorities closely monitor these transactions. Our experienced Banking & Finance Team is engaged by financial institutions, foreign law firms, investors and other market parties for effective advice and support.

Our specialists integrate their tax, legal and notarial expertise with their sector knowledge to provide well-considered advice and practical solutions. Thanks to our offices in London and New York, Houthoff has an extensive international network that affords us access to the right expertise on foreign laws and regulations.

Recent
work

Advised worldwide real estate investor Goodman Group in EUR 200 million refinancing with ING / Deutsche Hypo of its German-Dutch portfolio.

Advising ad hoc lender committee of Consolis Group, European market leader in precast concrete production, in its cross-border financial restructuring of EUR 300 million+ notes and credit facilities as well as obtaining EUR 200 million in new credit facilities.

Assisted the Salvation Army in setting up the investment fund 'Stichting Leger des Heils WoonVermogen' for construction projects that make a social impact. The 'Stichting Leger des Heils WoonVermogen' is funded by private investors and aims to build 250 residences for vulnerable people in the coming years.

Advised Castik Capital S.a.r.l. on the acquisition of paraDIGMA Group.

Advised Crédit Agricole Consumer Finance Nederland on the carve-out of Findio (a provider of car finance products) out of the CACF Nederland group and the sale of Findio to FCA Bank.

Advised the ad hoc group of creditors to the Consolis group in the successful implementation of its comprehensive recapitalization.

Advised Egeria Real Estate Development and FLOW Real Estate in relation to the financing of the redevelopment of the Strawinskyhuis, located at the Zuidas in Amsterdam, the Netherlands. The financing is provided by Bentall GreenOak, a debt fund.

Advising Tristan Capital Partners on the financing with ING Bank N.V. to acquire a portfolio of over 700 residential units in the Rotterdam and The Hague area.

Advised and represented Finqus B.V. and DSB Bank N.V. (in bankruptcy) on the sale of Finqus' loan portfolio with a purchase price of approx. EUR 1.5 billion to NIBC Bank N.V.

Advising Goodman with respect to the (re)financing of real estate assets located in Germany and the Netherlands. The financing banks are ING-DiBa AG and Norddeutsche Landesbank-Girozentrale.

Advised Titan, a leading independent liquified biomethane (LBM/bio-LNG) and LNG supplier to the maritime and industrial sectors, on a successful funding round leading to InfraVia obtaining (through one of its investment vehicles) a 45% equity stake in Titan.

Advised Lumileds, a global leader in innovative lighting solutions, in its comprehensive financial restructuring. Lumileds emerged from a Chapter 11, resulting in a leadership transition and a funded debt reduction of approximately USD 1.4 billion.

Advised Crédit Agricole Consumer Finance NL (CACF NL) on various financial regulatory matters in connection with ceasing its business in the Netherlands, including the structuring of the board and the scope of DORA.

Advised Goldman Sachs International, as Dutch legal counsel on the 2024 updates of their Structured Securities Programme (GSSP).

Advised worldwide real estate investor Goodman Group in EUR 200 million refinancing with ING / Deutsche Hypo of its German-Dutch portfolio.

Advising ad hoc lender committee of Consolis Group, European market leader in precast concrete production, in its cross-border financial restructuring of EUR 300 million+ notes and credit facilities as well as obtaining EUR 200 million in new credit facilities.

Assisted the Salvation Army in setting up the investment fund 'Stichting Leger des Heils WoonVermogen' for construction projects that make a social impact. The 'Stichting Leger des Heils WoonVermogen' is funded by private investors and aims to build 250 residences for vulnerable people in the coming years.

Advised Castik Capital S.a.r.l. on the acquisition of paraDIGMA Group.

Advised Crédit Agricole Consumer Finance Nederland on the carve-out of Findio (a provider of car finance products) out of the CACF Nederland group and the sale of Findio to FCA Bank.

Advised the ad hoc group of creditors to the Consolis group in the successful implementation of its comprehensive recapitalization.

Advised Egeria Real Estate Development and FLOW Real Estate in relation to the financing of the redevelopment of the Strawinskyhuis, located at the Zuidas in Amsterdam, the Netherlands. The financing is provided by Bentall GreenOak, a debt fund.

Advising Tristan Capital Partners on the financing with ING Bank N.V. to acquire a portfolio of over 700 residential units in the Rotterdam and The Hague area.

Advised and represented Finqus B.V. and DSB Bank N.V. (in bankruptcy) on the sale of Finqus' loan portfolio with a purchase price of approx. EUR 1.5 billion to NIBC Bank N.V.

Advising Goodman with respect to the (re)financing of real estate assets located in Germany and the Netherlands. The financing banks are ING-DiBa AG and Norddeutsche Landesbank-Girozentrale.

Advised Titan, a leading independent liquified biomethane (LBM/bio-LNG) and LNG supplier to the maritime and industrial sectors, on a successful funding round leading to InfraVia obtaining (through one of its investment vehicles) a 45% equity stake in Titan.

Advised Lumileds, a global leader in innovative lighting solutions, in its comprehensive financial restructuring. Lumileds emerged from a Chapter 11, resulting in a leadership transition and a funded debt reduction of approximately USD 1.4 billion.

Advised Crédit Agricole Consumer Finance NL (CACF NL) on various financial regulatory matters in connection with ceasing its business in the Netherlands, including the structuring of the board and the scope of DORA.

Advised Goldman Sachs International, as Dutch legal counsel on the 2024 updates of their Structured Securities Programme (GSSP).

"Houthoff is an outstanding firm with a strong market knowledge and specialised teams for issues including structured finance, restructuring, corporate loans and regulatory compliance. For the Netherlands we believe they have few peers."

Legal 500

Banking and Finance: Lender or Arranger Side (2025 Edition)

"The people of Houthoff know a lot about existing laws and legislation, and the developments and the positions the most important stakeholders take. But they also have a very good understanding of the unique position our company holds in the market. Their knowledge and know-how and our effective brainstorm sessions really helps our company grow."

Legal 500

Banking and Finance: Financial Services Regulatory (2025 Edition)

"Houthoff knows what is truly important for its clients. The team is always on the ball, highly responsive and never fails to anticipate what is coming."

Chambers Global & Europe

Banking & Finance (2025 Edition)

"Houthoff's team has deep sector knowledge and a very strong and loyal client base built up by very commercial, pragmatic and client-focused partners and very stable teams."

Chambers Global & Europe

Banking & Finance (2025 Edition)
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