Commercial Lending
What makes us different
Commercial lending is not just a practice area for us, it was the beginning of a career. Before law school, I spent nearly a decade working in commercial banking in both commercial real estate and commercial and industrial (C&I) loan transactions. I sat on the lender's side of the table, reviewing financial statements, assessing borrower risk, structuring credit facilities, and understanding what it takes for a transaction to get approved, documented, and closed. That experience gave me something most attorneys do not have: a firsthand understanding of how lenders think, what they need, and why the details in loan documentation matter long before a dispute ever arises.
Who we represent
We represent banks, credit unions, institutional lenders, and private lenders across a broad range of commercial financing transactions. We also counsel commercial borrowers and business owners who need experienced guidance on the terms and obligations they are agreeing to. Whether you are on the lending side or the borrowing side, having counsel who understands the full transaction — not just the legal language — is critical to a successful relationship.
What we do
We draft and review all documentation required to structure, close, and manage commercial lending transactions — tailored to the specific deal. Services include:
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Loan Agreements — Comprehensive drafting and review covering repayment terms, financial covenants, default triggers, and lender remedies.
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Commercial Real Estate Financing — Full documentation for acquisition, construction, permanent, and refinance transactions, including mortgages, deeds of trust, and assignment of leases and rents.
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C&I Credit Facilities & Lines of Credit — Term loans, revolving facilities, and equipment financing documentation, including borrowing base and compliance certificates.
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Collateral & Security Agreements — Precise drafting and UCC perfection across all major asset classes, including receivables, inventory, equipment, and general intangibles.
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Guaranty Agreements — Payment, limited, completion, and carve-out guaranties drafted for enforceability and reviewed for borrowers assessing their exposure.
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Loan Modifications & Workouts — Forbearance agreements, covenant waivers, maturity extensions, and restructured repayment documentation for distressed transactions.