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Humzah Irfan

Humzah Irfan


I am an associate in the Finance, Funds and Regulatory department. I advise on a wide range of transactions including trade finance, real estate finance and entertainment finance.


I have recently qualified into Fladgate’s Finance, Funds and Regulatory team. This followed a training contract involving experience in at a top tier US trade finance practice and an industry leading film completion guarantor.

Through my trade finance experience, I have advised large institutional banks based in the UK, EU and the US. This advice covered a variety of asset-backed lending agreements such as master participation agreements, receivable purchasing agreements and supply chain finance programmes.

I always look to understand my client’s business and concerns using my experience working with the in-house legal teams of a film completion guarantor and one of the largest US technology companies. This allows me to understand the importance of risk management to commercial decision-making. I pay particular focus to risk when giving legal advice by considering the wider picture and assessing whether long-term objectives can be achieved.

Outside of work, I never miss a Formula 1 race and I regularly train in ninjutsu (yes, ninja training!). When I am feeling brave, I also like to climb with my cousins.


We aim to provide clients with practical and commercial legal advice. By drawing upon our understanding of the needs of both borrowers and lenders, we are able to suggest innovative financing structures and anticipate issues in order to identify and solve problems early on.


We provide practical solutions in contentious and non-contentious situations involving financially distressed businesses through our corporate restructuring and insolvency group. The team advises insolvency practitioners, banks, other lending institutions, stakeholders, troubled companies, directors and individuals on a variety of corporate insolvency-related issues.



  • Advised a UK bank on negotiations on a master unfunded risk participation agreement with a large German insurance company.
  • Advised a large US bank on the termination and accession of their client’s Macao based subsidiaries to a supply chain financing programme.
  • Acted for a US lender in the restructuring of a letter of credit facility granted to a large insurance company.
  • Advised a Spanish lender on the security structure of a pre-payment advance to a mining company for the purchase of copper-ore traveling across South America.
  • Acted for a lender in developing a pro forma confirmation and discounting agreement for structured letters of credit.


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