COMMERCIAL LENDING SERVICES
In this era of heightened scrutiny and economic uncertainty, clients need legal counsel with the perspective and knowledge to help them chart a successful course to achieve their business objectives in a complex regulatory environment. The attorneys of The Stark Firm, PLLC have the depth, experience and resources to help our lending clients succeed in meeting the challenges of today’s financial services market, which demands an ability to rapidly understand, document and execute complex transactions, while at the same time balancing the requirements of sound credit policies and practices with the needs of senior lenders and other providers of capital.
The Stark Firm, PLLC is composed of attorneys that further offer a wealth of knowledge and experience in assisting clients in all aspects of their commercial lending transactions and related services, including pre-transaction diligence and structuring, documentation, closing and post-closing transaction administration, including covenant compliance, extensions, restructurings, refinancing and advice regarding potential lender liability matters, and the protection of clients’ interest in restructurings and work-out and insolvency proceedings. We understand the various issues faced by lenders engaging in transactions across a broad range of regulated and unregulated industries. This multi-discipline approach is designed to provide clients ready access to dedicated attorneys experienced in representing lenders in all facets of their business.
Our lawyers have substantial experience advising lenders and other credit parties in structuring, documenting and closing complex credit facilities. The types of credit facilities are as varied as the businesses that require them. We handle cash flow, asset-based, senior lien, junior lien, real estate secured, mezzanine and other types of structures, whether in single lender, club deals or syndicated scenarios. The asset classes used to secure the credits are as varied as the deal structures, including traditional inventory and accounts receivable, aircraft and vessels and even fine art. Equally as important, our lawyers are well-versed in the post-closing monitoring of credit facilities as well as related workouts and eventual enforcement of lender rights relating to facilities in default.
Examples of the full range of lending services in a wide variety of areas we offer include:
- Pre-transaction diligence and structuring;
- Transaction diligence and documentation from term sheet through transaction consummation and administration;
- Syndicated multi-borrower and single borrower and unsecured transactions;
- Debt trading activities (distressed and par);
- Portfolio sales;
- Regulatory compliance issues both, inside and outside of bankruptcy;
- Bond issuances;
- Mergers and corporate finance;
- Advice and representation regarding the law of truth-in-lending, fair lending, fair housing, credit reporting, collection practices and other state and federal statutes and regulations affecting lenders;
- Problem loan resolution --- restructurings, work-outs and insolvency matters; and
- Advice and representation regarding lender liability matters.
We represent all the participants in asset-based and structured finance transactions – including asset owners, operating companies, manufacturers, financial institutions, private equity and hedge funds, equity investors, lenders, lessors, lessees, investment advisors, corporate trustees, credit providers, joint venturers, debt and equity syndicates and multiple ECAs. Our understanding of the unique needs of all these participants allows us to craft specific strategies designed to help our clients reach their business goals and to address the challenges and opportunities they encounter.