The lawyers in our Financial Services Industry Practice assist our banking and other financial services clients across the spectrum of commercial finance, from the lending of senior debt to the investing of common equity.
By understanding not just the debt side of the balance sheet, or just the equity side of the balance sheet, but rather knowing the entire capital structure and the interplay between and among the various financial products, we add a more complete and broad understanding of the transaction and situation at hand, as well as the range of possibilities.
We successfully structure solutions for a significant and diverse roster of large national and mid-sized regional banks, as well as commercial finance intermediaries, insurance companies, various investment funds (both debt and equity) and private investor groups.
Gould & Ratner represents banks and other lenders in a variety of secured, mezzanine and unsecured commercial loans, including asset-based, revolving and term loan facilities. The firm also represents banks in providing letters of credit to support industrial development bond financing.
Real Estate Finance
Teaming with the firm’s real estate and corporate attorneys, our Financial Services team represents lenders in negotiating and documenting acquisition, construction and permanent loan facilities. These transactions have involved a diverse array of properties throughout the United States, including commercial office, retail, industrial and manufacturing, multi-use and residential developments.
Restructuring and Workouts
Our lawyers provide legal and business counsel to creditors and creditor groups on a variety of insolvency issues, including debtor-in-possession financings, recapitalizations, restructurings and forbearance agreements.
The firm assists lenders through development of effective workout strategies, including turnaround debt and equity transactions, or, if necessary, we can handle the disposition of assets either in bankruptcy or through various out-of-court devices, including assignments for the benefit of creditors.
Real Estate, Environmental and Tax Support
The firm’s real estate, environmental and tax attorneys are available to provide support to our finance clients when necessary, drawing on their vast experience in complex business transactions.