Elle McCulty advises and counsels borrowers and lenders on complex debt financings. Ms. McCulty leads the firm's Healthcare Finance Team. Serving clients in the financial services, healthcare and private equity industries, Ms. McCulty works on a diverse set of matters including:

  • asset-based loans
  • acquisition and development financing
  • secured and unsecured financing
  • syndicated and single lender loan transactions
  • multi-state real estate financing
  • DIP financing
  • intercreditor arrangements
  • workouts and restructuring

From 2010 to 2011, Ms. McCulty clerked for the Honorable Leonard B. Sand in the United States District Court for the Southern District of New York. Previously, she was an associate at the New York office of Sullivan & Cromwell.

Representative Experience

  • Represented a national bank in financing the private equity-backed acquisition of up to 19 medical office buildings across 10 states
  • Represented administrative agent in documenting $145 million revolving credit facility to a hospital system exiting bankruptcy
  • Represented a specialty healthcare lender in negotiating, documenting and closing the credit facilities for a nationwide nursing home, including negotiating complex intercreditor arrangements
  • Represented a large financial services company as administrative agent and lender in an asset-based revolving credit facility of over $100 million with subsidiaries of a skilled nursing facilities operator
  • Represented the national bank as administrative agent and lender in providing a $61 million mortgage loan and $12 million operator revolving facility to finance the acquisition of nine skilled nursing facilities
  • Represented the administrative agent and lender in negotiating, documenting and closing two cross-defaulted, cross-collateralized credit facilities to the owners and operators over 150 residential group homes and behavioral health facilities across the southeastern United States
  • Represented an appointed Indenture Trustee in connection with litigation that arose from Jefferson County, Alabama defaulting on approximately $3.2 billion in pledged revenue bonds

  • Represented the owner and operator of a gas station and convenience store chain in the negotiation of a $335 million credit facility to finance an acquisition
  • Represented a Midwest-based dental support organization in a $20 million senior credit facility involving a $7 million term loan, $1 million revolver and $12 million delayed draw term loan
  • Represented a sponsor-backed podiatry platform management company in the negotiation of an up to $40 million term loan facility
  • Represented a nutritional supplement company in $175 million syndicated senior revolving credit facility


  • Columbia Law School, J.D., Kent Scholar
  • American University, B.A., International Studies, summa cum laude
Bar Admissions/Licenses
  • New York
  • Tennessee
  • Secured Finance Network, Board of Directors
  • American Bar Association
  • Lawyers Association for Women
  • American Heart Association Nashville, Go Red for Women Executive Leadership Team
  • United Way of Metropolitan Nashville, Young Leaders Society
  • Nashville Young Leaders Council, Alumna
Honors & Awards
  • Chambers USA – America's Leading Lawyers for Business guide, Banking & Finance (Tennessee), 2022-2024
  • The Best Lawyers in Americaguide, Banking and Finance Law, 2024
  • The Secured Lender, Women in Commercial Finance Honoree, 2019; 40 Under 40, 2021
  • Columbia Law Review, Notes Editor