Sapientia’s Commercial Lending and Finance Group specializes in assisting clients with the legal aspects of financing transactions and lending agreements. Our attorneys help borrowers secure funding and navigate the complexities of commercial loan process. On the flipside, we have considerable experience representing lenders in making asset-based loans to commercial borrowers. Here’s a closer look at the legal services that our attorneys provide:

• Loan Documentation: We draft, review, and negotiate a variety of loan agreements, including term loans, revolving credit facilities, construction loans, and asset-based lending.
• Due Diligence: For lenders, our attorneys conduct thorough due diligence to assess creditworthiness of potential borrowers and loan guarantors, secured assets, and any potential risks associated with the transaction. This involves reviewing financial statements, business plans, title and survey, UCC and judgment searches, environmental, and other applicable areas that lenders assess when making a loan.
• Securitization and Collateralization: We advise on structuring deals that involve securing loans with collateral, ensuring that our lender client have sufficient protection in case of default.
• Restructuring and Workouts: In situations where borrowers face financial distress, our attorneys assist in restructuring debt agreements or negotiating workout arrangements to help clients manage and navigate potential defaults.
• Investment and Real Estate Financing: We help clients obtain financing for various types of investments, including commercial real estate projects, by negotiating loan terms that align with our clients’ financial strategies.
• Advisory Services: Beyond transactional work, we offer strategic advice on financing options, market trends, and best practices, guiding businesses in making informed financial decisions.

Sapientia’s Commercial Lending and Finance Group plays a vital role in facilitating business growth by providing comprehensive legal support for financing transactions, ensuring that clients can secure the funds they need with confidence and compliance. Our tailored approach helps clients achieve their financial objectives while navigating the complexities of the lending landscape.