Krittika Chavaly

ASSOCIATE (DUAL QUALIFIED)
Krittika is an Associate in the Banking & Finance team.

She has over four years of experience advising lenders, borrowers, corporates and individuals on a broad range of financing transactions, including acquisition and leveraged finance, real estate finance, asset based lending and structured finance. Before moving to London, she worked in the Mumbai office of a tier 1 firm in India.

 

She is dual qualified in India (advocate) and in England and Wales. She holds a B.A., LL.B (Hons.) degree from the National University of Advanced Legal Studies, India and an MSc in Law and Finance from the University of Oxford. She joined Edwin Coe in February 2025.

Krittika advises UK based and overseas lenders and borrowers on all aspects of debt financing with a particular focus on real estate finance, acquisition finance and corporate borrowing.

 

Her areas of work include:

  • Debt advisory work: Structuring of finance transactions and legal opinions in relation to English law.
  • Drafting and negotiations: The drafting and negotiation of loan agreements, intercreditor arrangements, guarantee and security documents and all related debt agreements.
  • Domestic and overseas lending and borrowing: Dealing with complex UK based and cross-bordering financing arrangements often requiring interfacing with overseas parties.
Expertise
Banking & Finance Real Estate Finance
Credentials
Dual qualified lawyer (in India and England & Wales)
Member, Young Professionals in Real Estate Finance
EXPERIENCE
Krittika’s experience includes:
Advised the buyers (as borrowers) in respect of financing to a consortium led by specialist investment firm for the acquisition of a well-known high-street beauty chain, rescuing the brand from administration.
Advised a leading European landlord on a £35.5 million facility from Rothschild & Co, for the purchase of an ultra-luxury residential real estate portfolio.
Acted for the lender on a £29 million refinance and planning payment funding in relation to a mix of freehold leasehold properties located in Aldgate East.
Acted for the borrower on a £19 million development financing in respect of the development and conversion of Grade II-listed buildings into luxury modern homes located in West London.
Advised the sellers in relation to deferred consideration and earn-outs payable in the form of convertible loan notes in respect of a £15.2 million sale of an event merchandising company to a Danish private equity group.
Drafted and advised on a full suite of template loan documentation (based on the LMA) for a leading pan-European private credit and real estate investment manager with €110 billion of AUM. Three sets of documents prepared for three lending entities (including a recently acquired UK incorporated fund), all focused on specialist real estate loans ranging from £10 million to £300 million