Stephen Bate | London | Hogan Lovells

Stephen Bate

Senior Associate Corporate & Finance


English, French

Bate Stephen

Stephen Bate
Bate Stephen
  • Overview
  • Experience
  • Credentials
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Stephen is a senior associate in our Debt Capital Markets group in London with more than 12 years' experience of advising arrangers and lead managers, bank and non-bank lenders, originators, sponsors and hedge counterparties on securitisation, structured finance, repackaging and other debt finance transactions. He has worked on deals involving a variety of underlying assets including automotive loans, equipment leases, SME loans, BNPL loans, aircraft leases and residential, commercial and agricultural property, as well as innovative financing structures relating to insurance, bullion and commodities among others.

Since joining the firm, Stephen has undertaken secondments to the Structured Capital Markets legal team at Lloyds Bank, to the Legal Department at Ford Credit Europe (FCE) and to Hogan Lovells’ Tokyo office.

Representative experience

Advising the UK Government as guarantor in various transactions involving the debt capital markets financing of more than 25 Airbus aircraft

Advising the lender on a EUR60m asset backed financing relating to electric scooters made available for public hire in various European countries 

Advising the seller and servicer on DLL UK Equipment Finance 2019-1 plc, a debut public equipment lease securitisation

Advising the lender on a borrowing base facility backed by receivables arising from wine and spirits repurchase contracts

Advising the lender on a EUR 150m securitisation of receivables originated on a leading BNPL and flexible payments platform in Spain

Advising the arranger, hedge counterparty and lender in relation to a $110m bullion forward purchase and loan transaction

Advising the lender on a new private warehouse facility relating to UK dealer floorplan receivables for an established UK consumer auto lender

Advising the lender on various warehouse facilities in respect of SME equipment lease and working capital loan receivables, including loans guaranteed by the UK Government under the CBILS and RLS schemes

Advising on a major forward flow transaction relating to lifetime mortgage loans and a subsequent multi-series term securitisation programme

Advising a debt fund on the acquisition of a portfolio of non-performing loans backed by a chain of UK hotels

Advising Citibank and the JLMs on Azure Finance No 2 plc a £200m STS public securitisation of UK automotive HP receivables

Advising a major financial institution as arranger on a £500m securitisation of a portfolio of agricultural mortgage loans


  • Graduate Diploma in Law and Legal Practice Course, BPP University Law School, 2007
  • B.A. (Hons), University College London, 2003
  • The Law Society of England and Wales


Sponsorships and Speaking Engagements

27-28 September 2021