Commercial Lending

Both the sources of debt capital – commercial banks, institutional lenders, specialty finance companies, hedge funds, insurance companies and other lenders – and the users of debt capital require creativity, ingenuity and problem-solving experience to accomplish their respective goals. Anticipating issues and applying practical solutions to your specific needs – through all phases of the process – is how we help you to navigate the full spectrum of commercial lending challenges.

A Broad Range of Experience

Financings are as varied as the businesses that require them, and we have the knowledge and experience necessary to handle the procedures and documentation unique to each individual loan. Holland & Knight lawyers are experienced in all aspects of commercial lending transactions and provide a variety of related interdisciplinary services. Our experience extends to both U.S. domestic and cross-border transactions, including debt obligations denominated in various currencies. Representative transaction types include:

• asset-based and working capital financings
• leveraged acquisition, management buyout and “going private” financings
• equipment leasing, including aircraft, railroad rolling stock, locomotives and ship financings
• letters of credit, repurchase and banker’s acceptance facilities
• public power, water and sewer, education and infrastructure financings
• general obligation bond issuance by government entities
• asset securitization and factoring transactions
• loan restructurings and workouts, including debtor-in-possession financings
• government contractor financings

In addition, our experience extends to related matters including:

• derivatives and complex interest rate structures
• intercreditor and subordination agreements relating to mezzanine and subordinated debt
• loan participations and syndications
• borrower’s opinions
• commercial lending forms review and analysis
• enforcement and collection proceedings and other matters involving creditor's rights and bankruptcy

Borrower Representation

In addition to representing corporate borrowers in a variety of industries, Holland & Knight commercial lending attorneys have represented non-corporate borrowers such as cities, towns, agencies, joint action agencies, obligated groups, rural electric cooperatives, museums, hospitals, universities and other charitable (501(c)(3)) entities.

Asset Classes Financed

Our lawyers have extensive experience assisting clients in financing asset classes ranging from financial assets such as trade receivables, operating leases, dealer floor-plan loans, mortgage loans, retail installment sales contracts, government contracts and timeshare receivables to non-financial assets such as inventory, equipment and machinery, aircraft, railroad rolling stock, locomotives, barges, ships, shipping containers, partnership development rights, and trademarks and other intellectual property.