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Natalie Lake

Natalie has experience of a wide variety of banking and finance transactions including structured and unstructured trade finance, having advised both financiers and borrowers in oil, gas, metals and soft commodities, on a range of financing products (bilateral and syndicated), including pre-export financing, prepayment financing, borrowing bases and transactional trade finance.

Recent Posts

Fixed and Floating Charges: the Key is Control, but the Key to Control is Drafting

Posted by Natalie Lake on May 18, 2023 3:59:47 PM

In our April webinar “Risk Mitigation Techniques in Trade Financing Structures”, which I delivered with my colleagues Sam Fowler-Holmes and Maria Capocci, we discussed methods to mitigate risks all the way along the transaction lifecycle. We covered the option of taking charges over the accounts of a Borrower and the funds standing to the credit of such accounts, looking at the importance of the "triple cocktail" in demonstrating the requisite level of control where a lender wants to take the coveted fixed charge. 

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Topics: Fixed and Floating Charges

Compliance Alert! Regulated Entities Gear Up for the UK's Economic Crime Levy

Posted by Natalie Lake on Mar 23, 2023 9:09:48 AM

If your organisation is both supervised under the UK Money Laundering Regulations (“MLR”) and your UK Revenue exceeds £10.2 million per year, if you are not already, you will need to prepare for the forthcoming Economic Crime Levy (the “ECL”). The ECL aims to raise approximately £100 million per annum to help fund new and uplifted anti-money laundering and economic crime capabilities.[1]

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Topics: Economic Crime Levy

Gates Opening for the Digitalisation of Trade Documents

Posted by Natalie Lake on Oct 21, 2022 11:30:33 AM

On 12 October 2022, The Electronic Trade Documents Bill was introduced into Parliament.

It is a watershed moment in English law, but no-one has anticipated it more than those working in international trade. The (sometimes painful) process of trying to get trade documents from location A to B has been the source of frustration for many, exacerbated by the many lockdowns during the COVID-19 pandemic. Those who have advocated heavily for digitalisation of trade have been faced with one overriding problem: the inability to possess an electronic trade document under English law.

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Topics: Trade Finance, Digitalisation

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About the Blog

Talking Trade Finance is here to provide you with all of the latest updates in the Trade & Export Finance Industry.

The material on this site is for general information only and is not legal advice. No liability is accepted for any loss or damage which may result from reliance on it. Always consult a qualified lawyer about a specific legal problem.

Meet the Editor


Sam Fowler-Holmes is a partner in the Trade & Export Finance Group in Sullivan’s London office. He specialises in structured and unstructured trade, commodity and export finance, advising both financial institution and corporate clients on a range of financing products including pre-export financing, prepayment financing, letter of credit and payment instrument facilities and working capital and borrowing base financings. Sam is a regular speaker at the Sullivan trade and export finance seminars and is a member of the ITFA Emerging Leaders Committee.


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