Carol Betts


Gateley Legal

  • Birmingham
  • t: 0121 234 0234
  • m: 0797 646 0936


Carol is a recognised expert with over 20 years of experience in all forms of corporate and real estate finance, with particular specialisms in asset-based lending and real estate finance.

Carol advises banks, asset-based lenders, investors and borrowers in relation to these funding structures.

How do you help clients?

I help funders by ensuring that the legal element of taking on a new client, whether by way of a refinance or as part of a wider transaction, or changing the terms of their existing facilities, is executed as efficiently as possible mitigating the lender’s risk and accommodating the customer’s business needs. 

I help borrower clients by ensuring their funding documents dovetail with their business.


  1. Advising various high street lenders on bi-lateral and syndicated asset-backed and borrowing base RCFs (with accordions) to national plant and vehicle hire operators.
  2. Advising independent and bank-backed ABLs on the refinance of various owner-managed and PE-backed clients taking invoice discounting or full ABL facilities.
  3. Advising Hortons on the refinance of multiple facilities.
  4. Advising a major clearing bank on the refinance of more than £100m of facilities to various offshore vehicles owned by a Mauritian parent secured on investment properties in England and Scotland some owned by a Jersey JPUT.
  5. Advising various high street lenders on structuring their facilities and security to accommodate the on-shoring of the ownership of real estate assets by their customers.

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