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Lending and Finance

我们经验丰富的贷款和金融律师为国家客户提供全面的法律皇冠线上买球平台, regional and local lenders, including banks, 向消费者和商业借款人提供贷款的信用合作社和专业贷方, 以及购买房屋的个人和寻求融资以收购或扩大其业务或设施的企业. 我们已经关闭了成千上万的单户住宅购买,以及数百笔商业贷款,涉及从小型投资租赁物业到数百万美元的制造设施, apartment buildings and shopping centers.   We provide independent counsel to review loan documents, 房地产和其他抵押品类型的产权工作和尽职调查项目,使我们的客户的利益得到适当的记录和保护.  In addition to complex real estate transactions, 我们的律师在包括汽车经销商融资在内的许多专业贷款安排方面拥有丰富的经验, participation loans, mezzanine financing and securitized secondary market transactions. 

我们的银行和金融律师也有几十年的经验,与银行和信用合作社商业社区合作,以执行债权人的权利和救济, including problem loan workout, collateral liquidation including foreclosure and UCC sales, special assets, deficiency collection and in bankruptcy proceedings, including relief from stay, actions to block discharge and plan confirmation issues.  我们的律师也随时准备为不满的借款人在联邦和州法院提出的贷款人责任索赔进行辩护.  我们为我们良好的声誉和与弗吉尼亚州东南部和北卡罗来纳州东北部的大多数主要银行和银行家合作的悠久历史感到自豪.

Loan Negotiation and Documentation

With respect to commercial loans, 我们的律师在贷款条款谈判的早期阶段代表借款人和贷款人,并确保贷款文件与商定的条款一致. Clients can generally agree on the broad strokes of a deal, but the average loan document package totals over a hundred pages, 因此,必须仔细审查每一行,以确保它符合双方的协议,不包括令人反感的条款或条件. While this language is frequently described as “boilerplate”, 当我们解释这些语言中包含的一些条款和细节时,贷款人和借款人都经常感到惊讶.

Pre-Closing Due Diligence

In addition to the loan documents, 还有许多其他项目必须仔细审查,包括标题工作和调查. Once again, 我们的目标是确保我们的客户确切地了解正在购买或作为抵押品的东西以及可能存在的任何问题或限制. 我们不希望在闭幕式上,甚至是几年后出现任何意外. 我们的律师和律师助理订购并收集所有需要的尽职调查项目,然后仔细审查它们,以确保没有问题或遗漏. 我们下令并审查调查,以核实任何建筑物或构构物是否位于被收购的房地产上,并且没有不必要的地役权, forgotten “paper streets” or other issues affecting the property. Likewise, 我们密切审查产权报告,以确保与调查一致,并确保借款人已经或正在以所需的方式获得整个财产并取得产权.

Commercial Real Estate

商业房地产交易不仅在许多情况下涉及更高的购买价格和贷款金额,而且还有许多额外的,有时是独特的挑战. In addition to standard title and survey requirements, 商业交易通常涉及对所有权政策的专门背书和增强的调查细节. 我们的律师仔细审查这些条款,以解决任何问题. 商业贷款交易也经常涉及与租户有关的问题和文件, environmental concerns, property condition and/or entity borrowers. We are experienced in drafting tenant estoppel certificates, subordination, non-disturbance and attornment agreements, landlord lien waivers, loan participation agreements, intercreditor agreements and many other custom documents and agreements. We gather, review, 或准备所有必要的文件,以便及时和成功完成交易.

Asset Based Lending (ABL)

基于资产的贷款是一种贷款交易形式,其抵押品不是“泥土”。, 通常是公司生产的“存货”和存货购买者欠借方的“应收账款”. Unlike a fixed loan amount which is paid back over a term of years, 这些贷款是在循环的基础上进行的,资金是借的,并在库存出售的基础上每天偿还, new raw materials are purchased, and customers pay for the products purchased. 《皇冠搏彩APP下载》为这些贷款提供了法律框架, 但由于贷款的快节奏性质以及监督抵押品所涉及的固有挑战, the loan documentation requirements are extremely detailed. 我们的律师定期准备或审阅数百页的文件,并与对方的律师进行广泛的对话,就交易的细节进行谈判.