Banking & Finance
Get to the Closing Line with Experienced Legal Guidance for your Banking and Finance needs
Rapidly changing laws, regulations, and compliance standards regarding lending, and property and business collateral call for nimble legal maneuvering to successfully navigate routine and complex deals and achieve timely closings.
From start to finish, we're readily available to provide comprehensive legal services along with non-transactional advice on complex legal matters pertaining to banking, financial regulation, and finance strategy.
We draw on years of experience in closing financial deals within various industry groups to provide an insightful perspective and analysis.
Deal to deal, our legal work typically includes:
- Commitment letter and term sheet preparation or review
- Loan document preparation and review
- Company and collateral due diligence
- Transactional group interface and coordination
- Committee and underwriting check-ins
- Closing of loans
Transactional advice in connection with most financing and lending market segments including:
- Commercial & Industrial (C&I)
- Small Business Administration (SBA)
- Commercial Real Estate (CRE) and Equity Sponsor / Leveraged Buyout (LBO)
- Associated Participation in financing arrangements and inter-creditor representations
Trusted Advisors for a Full Range of Lending Services
Commercial and Industrial
We represent both borrowers and lenders in analyzing financing in C&I lending and understand the scope and extent of required due diligence.
Drawing on years of experience in successfully closing timely deals, we assist in structuring a deal, preparing all legal documentation, and spearheading the negotiations to close that deal.
Commercial Real Estate Lending
We represent:
- Lenders and financial institutions
- Commercial real estate property buyers and sellers
- Speculators and investors in real estate equity and debt instruments
- Developers
- Abutters and stakeholders
We provide comprehensive counsel and representation in all areas of your commercial and real estate transactions.
Small Business Administration Lending
SBA guaranteed 7(a) term loans, lines of credit and Express facilities
We work with a host of lending financial institutions as well as all types of borrowers in handling and closing SBA 7(a) loans.
We review and draft any legal documents needed to close these loans, and we coordinate the funding and closing of each loan.
504 Loan Borrower Representation
We represent borrowers to help them secure and close SBA 504 loans. This includes navigating the many 504-specific requirements to see the loan through the process to closing.
This program is particularly attractive for small businesses as it promotes business growth through long-term and fixed-rate findings.
Equity Sponsor Leveraged Lending
Our team has handled numerous complex leveraged financing scenarios specializing in buyouts. We provide expert deal analysis along with collaboration in negotiation and deal strategy. We provide sophisticated drafting and review to the full extent necessary to complete the transaction. This often includes being tasked with introducing new, complex terms and mitigating challenges to a closing.
Recognizing that equity-sponsored lending can be complex and move quickly, we draw on our many years of experience in this area and provide effective counsel on an accelerated basis when required.
Subordination and Inter-Creditor Arrangements
We have extensive experience in negotiating and documenting various inter-creditor and subordination arrangements with borrowers, lenders, state agencies, quasi-public entities, and sub-debt holders.
Financings in this space include loans made to troubled borrowers as well as designed financings including, without limitation, to those providing mezzanine or junior security interests.
Participations
We represent lenders on a participation basis with master lenders and agents for asset-based, unsecured, secured, and real estate loans.
Banking & Finance Resource Center
articles to answer your most frequently asked questions
What is a Certificate of Incumbency?
Why is the Bank Insisting on an Unlimited Guaranty?
Why Banks Secure Loans with Collateral
Difference Between C&I and CRE Loans?
What is the Difference Between a Bank and a Credit Union?
What to Focus on When Negotiating a Term Sheet with a Lender