McAllister Garfield represents lenders and borrowers in Colorado, California, Michigan and Oregon. We advise a broad range of clients including banks, hedge funds, private equity, and other lenders. Our lending and finance lawyers assist with senior and junior secured loans, mezzanine loans, asset-based lending, real estate, structured finance, and other types of debt financing.
Both lenders and borrowers need guidance to protect their interests and secure their long-term growth. Our attorneys have the experience, expertise, and industry knowledge to navigate even the most complex transactions. From filing loan documents to securing regulatory approvals, we’ll guide you every step of the way. We stay proactive by constantly tracking legal trends and keeping up-to-date on market conditions.
Regardless of company size or the challenge at hand, we offer fast response and seamless customer service. Our attorneys are known for delivering quick and reliable counsel to help banks and businesses thrive.
Our Lending and Finance Expertise
Our law firm is strategic, innovative, and results-oriented. Our attorneys are known for delivering a wealth of technical know-how to the table. In today’s unpredictable economy, we are committed to exceeding client expectations and minimizing risks.
We can advise on all aspects of commercial finance transactions, including:
- asset-based and working capital financings
- asset securitization transactions
- borrower’s opinions
- debtor-in-possession financings
- equipment financing and leasing
- factoring transactions
- intercreditor and subordination agreements
- loan agreements
- loan participations and syndications
- loan restructurings and workouts
- Non-consolidation opinions
- promissory notes
- real estate lending
- senior secured loans and junior secured loans
- stand-still agreements and forbearance agreements
Our experienced attorneys can assist in the drafting and reviewing of all loan documents including guaranties, deeds, promissory notes, and loan agreements. We’ll talk you through the legal process to help you understand your rights and obligations as a lender or borrower. We can also help with credit enhancements to improve your chances of obtaining your desired loan.
A business acquisition is a complex process that involves varied levels of funding. It requires strategy, precision, and a deep knowledge of legal regulations. Borrows and lenders can benefit from the expertise and insight of having experienced commercial finance attorneys to guide them throughout the process.
At McAllister Garfield, our lawyers have successfully represented banks and other institutional lenders in recapitalizations and acquisition financings. We can negotiate the details, draft the documents, oversee compliance issues, and ensure the deal gets done promptly and efficiently.
Asset Based Lending
Our attorneys are well-versed in the complexities of asset-based transactions. We have assisted clients in the restructuring and documentation of asset-based loans, including those protected by inventory, fixed assets, accounts receivable, machinery and other equipment.
In addition, our team is proficient in drafting effective loan and security agreements that allow lenders to monitor collateral and liquidate if needed. We understand the unique challenges faced by asset-based lenders and provide highly personalized advice to fit their every need.
Receivables Purchase Finance and Structured Finance
Our attorneys work with banks and finance companies to draft and negotiate all types of structured finance transactions from specialized financing products to portfolio acquisitions of consumer loans.
We also represent clients in the structuring of receivables purchase facilities. Our firm works with conduits and sponsors in recording and reviewing securitizations concerning mortgages, commercial loans, trade receivables, and other assets.
We help business clients acquire funding for all types of investments and working capital needs. Our lawyers take the time to understand your motivations in order to match you with alternative sources of capital.
We also offer banks and financial institution clients a wide array of legal services relating to secured and unsecured business and real estate loans.
Beyond our transactional financial and lending expertise, McAllister Garfield’s attorneys advise and act for lenders, borrowers and guarantors.
We offer high quality representation in all types of loan issues and disputes including:
- banking and securitization conflicts
- borrowers not personally liable to pay
- claims of lender liability
- cross-border lending
- discharge of Guarantors
- implied promises to pay
- letter of credit disputes
- loan vs gift disputes
- mortgage foreclosures
- onus and presumption of advancement
- secured and unsecured loan agreements
- timing of contractual obligation of payment
- urgent equitable remedies
- void and Illegal loans
In some cases, the lending of substantial sums may result in long and costly disputes. As your legal advisors, we’ll help safeguard your interests and maximize the profitability of your assets.
Who Needs a Lending and Finance Attorney?
Individuals and businesses lend and borrow money for various reasons. Whether you’re looking to fund a project or simply meet existing debts, our attorneys can help you obtain the funding you need in a safe and timely manner.
Any company or entrepreneur looking to participate in a commercial transaction should retain a lawyer. Finance and banking lawyers are responsible for structuring the entire transaction to ensure the client’s conditions are met. They’re intensively involved in drafting contracts, negotiating favorable terms, and ensuring the entire transaction adheres to federal and state laws.
An effective finance attorney provides alternative solutions when unexpected obstacles arise. Seeking legal help ensures the safety of every transaction. A lawyer can save you from scams and frauds, and direct you towards legitimate lenders.
Delivering Prompt and Quality Representation
McAllister Garfield has provided lending and finance counsel since 2009. We work closely with our clients to gain a deeper understanding of their objectives. Our lawyers apply their in-depth understanding of commercial finance law to mitigate risks and protect your company’s long-term growth.
As your trusted advisors, we guarantee stress-free transactions while enforcing positive working relationships between lenders and borrowers. We identify key issues and deliver prompt resolutions for your peace of mind. Our goal is to get every deal closed as quickly and efficiently as possible.
Whether you’re looking to expand your business or address existing debt, our firm can provide all the results-oriented support you’ll need. We have all the connections and legal expertise to ensure a safe and legitimate transaction tailored to your needs.