Commercial Finance

Our commercial finance group counsels lenders, borrowers and investors on hundreds of transactions each year across the nation. Clients look to our experience, focus on efficiency and breadth of practice to protect them in commercial transactions and serve as valued business advisors.

While our top priority is getting the deal done on time and protecting our clients, we also understand the importance of helping our clients build their business relationships. We solve problems and keep our clients informed of industry trends. We help lenders design and refine lending programs, create internal processes for borrowers, counsel clients as they entered new states and jurisdictions, and provide corporate and finance advice to lenders and borrowers.

We provide counsel on a range of financing transactions, including asset-backed loans, real estate loans, receivables financing, equipment loans, revolving loans, unsecured loans, equity loans, subordinate loans, corporate and acquisition transactions, construction loans, bridge loans, mezzanine loans, and loan participations. Once a loan closes, we assist our clients on loan servicing matters, modifications, restructurings and loan workouts.

Our team handles financings of everything from mom and pop stores and farming operations to major shopping centers and skyscrapers, from fiber optic cable lines and boats to chickens and racehorses.

Our lender clients range from the nation’s most prominent banks and insurance companies to community banks and credit unions. Our borrower clients include, large developers and national real estate holding companies, entrepreneurs seeking their first loans to buy commercial property and developers flipping houses. We also represent non-profit lenders, quasi-governmental agencies, loan servicers, and equity investors.

We assist clients during letter of intent or term sheet negotiations and advise on loan programs. We draft and negotiate agreements; address regulatory matters; manage due diligence, including review of title and survey issues and evaluation of third-party reports; and close loans using a well-refined system. We take pride in our ability to do all of these tasks with flexibility, responsiveness and creativity.

Our attorneys have developed experience and national practices in many areas, including the following:

  • Bank lending,
  • Life insurance company lending,
  • Freddie Mac Loans,
  • Fannie Mae loans,
  • U.S. Department of Housing and Urban Development loans and insured loans,
  • U.S. Department of Agriculture Rural Development loans and guaranteed loans,
  • New Markets Tax Credits,
  • Historic Tax Credits, and
  • Low-Income Housing Tax Credits.

Our clients receive quality and efficiency. Our commitment to a team approach with varying levels of staffing ensures efficiency, continuity and cost-effectiveness.  We help guide clients through the latest developments in commercial finance, negotiate the most complex of financing transactions, close any kind of loan and have fun doing it.