We facilitate loan transactions for borrowers and lenders while minimizing risk in a cost-efficient manner.

Our Banking and Finance practice team represents both small and large borrowers, commercial banks, individuals and non-traditional lenders in connection with a wide spectrum of commercial financial transactions. We are familiar with a variety of financing options for any deal size, and specialty loans like Small Business Administration (SBA) and individual, corporate or family housing loans.

A business seeking to expand its current platform or enter into a new line of business will often need large influxes of capital, we understand this need so whether we are advising large companies in syndicated loan or guiding a small business in financing an expansion, we bring personal attention and care to our representations, something that is often overlooked by other service providers. We help our clients navigate the extensive and often complex process, leveraging our depth of financing and lending experience to ensure that the needs of our clients are represented and prioritized to meet their business objectives while minimizing risk in a cost-efficient manner.

Our lawyers are familiar with the market and industry standards of key provisions, such as loan to value ratio, borrowing base parameters, and financial loan covenants, and we know what keys to push and pull in negotiations.  Beyond closing loans deals, we also assist with ongoing and post-closing compliance of covenants contained within the loan documents, loan modifications, amendments, waivers, consents and forbearance agreements. Our experience in financing transactions of various sizes includes secured and unsecured lines of credit, cash management arrangements, and cross-collateralization.

SERVICE HIGHLIGHTS

• Syndicated and single-lender transactions
• Cash Flow Lending
• Asset-Based Lending
• Acquisition Financing
• Mezzanine Financing/Second Lien Financing
• Term and revolving loans
• Letters or lines of credit
• Loan sales, modifications, foreclosures and participations.
• Real Estate, Construction and Permanent Financing
• Secured & Unsecured Credit Facilities
• Structured Finance
• Franchise Lending
• Letters of Credit and other liquidity support facilities
• Real Estate Investment Trust (REIT) Portfolio and other portfolio financing
• Merger &Acquisition Transactional Lending
• Commercial Mortgage-Backed Securities
• Tenant-in-Common Structures
• “Club Deals” and Participations
• Crowdfunding
• Traditional Bank Representation
• Government Guaranteed Loans
• Commercial Loan Servicing
• Garnishee Proceedings

Whether you are a borrower or lender, our lawyers are experienced in the specific issues confronting both sides. We know what lenders are looking for, we help drive efficiencies in each step of the process, from a borrower considering their options to getting the loan deal closed.  We collaborate closely with colleagues in our corporate, tax, securities, and mergers & acquisitions practice to structure transactions in the most advantageous manner possible for our clients and together we provide the experience our clients need at any stage of the process, including due diligence, negotiation, documentation, and closing logistics.

We design and close deals that give borrowers the credit facilities they seek and provide lenders with the securities or asset portfolios that match their risk appetite.  We deliver our services efficiently and responsively by tailoring our work to our clients’ needs. From structuring to term sheet, and closing, you can rely on the Banking and Finance lawyers at Law Nation for counseling excellence. Regardless of the size or type of transaction, our lawyers will bring unparalleled service and innovative thinking to your finance needs. Combining resources and experience with depth and proficiency, we take an integrated, comprehensive approach to solving our clients’ lending needs.