Rudman Winchell’s attorneys represent a variety of traditional lenders including banks, credit unions, economic development agencies, and other entities, as well as developers and other borrowers with commercial leases and transactions. Our finance capabilities include the initial structuring and closing of finance transactions, loan administration, workouts, and loan restructures. Rudman Winchell’s commercial finance attorneys have been involved in the financing of residential, industrial, commercial, agricultural, retail, resort and hospitality projects including, shopping centers, office buildings, timberlands, hotels, apartment buildings, industrial properties, condominiums, planned unit developments, vacation ownership and mixed-use projects. Many financing transactions involve both real and personal property. Our attorneys also assist clients with asset-based financing involving collateral such as stock, accounts receivable, inventory, equipment, crops, general intangibles, and entity ownership interests.Our attorneys efficiently handle both standard and exceedingly complex financing transactions,including acquisition, development, construction, bridge and permanent loan transactions, revolving lines of credit, interest rate swaps, loans secured by ground leases, loans secured by timber, crops and other farm products, and the issuance of letters of credit. Rudman Winchell serves as local counsel for multistate/multi-parcel cross-collateral transactions. When multiple lenders are involved in a financing transaction, we draft and negotiate a variety of inter-creditor or participation agreements.Our firm has specialized knowledge regarding the considerations applicable to loans secured by a combination of real and personal property, as well as the unique issues that arise under revised Article 9 of the Uniform Commercial Code. We have extensive experience in dealing with issues related to real and personal property collateral that are fundamental to a lender’s underwriting or a developer’s ability to qualify for a loan. This often involves the review of title matters and the negotiation of the form of title insurance policy; review of casualty, liability, and other insurance policies; and conducting land use and environmental due diligence.As the economy and markets fluctuate, a loan that looked good when made can suddenly become a problem. Rudman Winchell’s commercial finance attorneys have considerable experience in representing borrowers and lenders in developing and implementing workout programs that address the interests of all parties to a transaction. Workout arrangements can involve many variables, including maturity extensions, interest accruals, bifurcation of the loan into a performing and nonperforming pieces, additional capital requirements, and a myriad of other features. We are experienced in drafting and negotiating the workout documentation and title insurance coverage to close workout transactions.
Complex commercial real estate and business transactions
Rudman Winchell commercial finance attorneys regularly represent clients in complex commercial real estate and business transactions including the purchase, sale, and leasing of commercial, office and residential properties, and undeveloped sites.
Efficient and client-friendly
We utilize an interdisciplinary approach that is efficient and client-friendly. The depth and breadth of Rudman Winchell’s real estate capabilities enable us to draw on the special expertise of other firm attorneys in areas such as litigation, bankruptcy, land use and zoning, environmental matters, insurance coverage, common interest subdivisions, and construction law to deliver comprehensive legal services to our clients.
Commercial Leases and Transactions
Our attorneys also assist with commercial leases and transactions such as the purchase and sale of businesses, commercial loan transactions, commercial development, and financing, as well as zoning and land use.