Robert Heinrich
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Robert J. Heinrich is a shareholder in Reinhart’s Banking and Finance Practice where he advises lenders and borrowers in structuring, documenting and administering complex financial transactions. He is also chair of the firm’s Food and Beverage Law Practice Group. Bob’s finance practice is focused on commercial lending facilities, structured finance transactions and Dodd-Frank regulatory compliance matters concerning swaps and derivatives.

Bob recognizes the value in taking the time to learn the particular situation of his clients, their industry, their business goals and the challenges they face.  Coupling that knowledge with an expertise of what is “market” in financing transactions, he is able to devise practical solutions to obstacles so his clients can focus on achieving their goals. Bob prefers a proactive approach to address issues before they develop into large problems. By assisting in the structuring of transactions, Bob helps craft beneficial arrangements that are able to close in a timely and efficient manner.

More specifically, Bob is a skilled negotiator who represents banks and other lenders – as well as private and public borrowers – in all types of commercial lending arrangements:

  • Revolving and term
  • Single-bank, club deals, syndicated and participated
  • Secured and unsecured
  • Senior and subordinated (mezzanine)
  • Domestic, international and multicurrency credit facilities
  • Asset-based and cash-flow
  • Working capital lines
  • Construction and real estate financings
  • Recapitalizations
  • SBA loans

Bob also has a wealth of experience in securitizations and other structured finance transactions, including securitizations of a variety of asset classes (such as trade receivables, student loans, credit card receivables and health care receivables) and purchases and sales of receivables and other financial assets.

He further enjoys guiding his swaps and derivatives clients who range from community banks to corporate end-users through the often bewildering regulatory maze created by the Dodd-Frank Act. Drawing from a vast knowledge base, Bob negotiates and delivers true sale opinions and non-consolidation opinions in structured finance transactions and other financial asset sale transactions in the secondary market.

In addition to his finance and transactional practice, Bob has developed experience with respect to the federal and state regulations pertaining to craft breweries and brewpubs.

Bob primarily serves the following industries:

  • Financial Institutions
  • Manufacturing
  • Food and beverage, including craft breweries, brewpubs and others in the craft beer space
  • Private equity and venture capital
  • Professional services
  • Emerging companies


Education

J.D., cum laude, University of Minnesota Law School
B.S., summa cum laude, Marquette University

Bar Admissions

Wisconsin
Illinois

  • Represented a public manufacturing company in the preparation and negotiation of a $300 million unsecured revolving credit facility
  • Represented a national bank in the preparation and negotiation of a $102.5 million secured term credit facility and a $35 million secured revolving credit facility to a leading charter school support and service organization
  • Represented a leading accounting firm in the preparation and negotiation of a $60 million secured revolving credit facility and a $25 million secured term credit facility
  • Represented a regional bank in the preparation and negotiation of a $24 million secured term credit facility, a $12 million secured asset-based revolving credit facility and a $3 million secured fleet warehouse line to a provider of residential and community-based services for persons with disabilities
  • Represented a portfolio company of a private equity sponsor in the preparation and negotiation of a $16 million senior secured revolving credit facility and a $25 million subordinated secured revolving credit facility
  • Represented a regional bank in the preparation and negotiation of a $20 million secured asset-based revolving credit facility, an $8 million secured term credit facility and a $1 million capital expenditures line to a scrap metal recycling company
  • Represented a regional bank in the preparation and negotiation of a $7 million construction loan facility
  • Represented a regional bank in the preparation and negotiation of a $4 million term secured loan and a $2 million secured revolving credit facility in connection with the purchase of the borrower out of a Chapter 128 receivership
  • Represented a Wisconsin dairy company in the preparation and negotiation of an SBA loan
  • Represented originators, sellers, purchasers and servicers of financial assets, such as retail installment sales contracts, trade receivables and mortgages, in the sale, purchase, sourcing and servicing of such assets
  • Negotiated and documented treasury management servicing agreements for various financial institutions
  • Represented a public company manufacturer in structuring and documenting its equipment leasing program
  • Served as local counsel of US subsidiaries of foreign companies in various UK-based credit facilities, including credit facility documents, mortgages and other security documents and local counsel opinions
  • Delivered and negotiated true sale opinions with respect to the securitization of a variety of asset classes (including trade receivables, student loans, credit card receivables and health care receivables)
  • Delivered and negotiated non-consolidation opinions in securitization and other structured finance transactions (including tenant-in-common and other real estate transactions)
  • Delivered and negotiated true sale opinions with respect to mortgage loans sold under the Fannie Mae DUS and single family programs and the Federal Home Loan Banks’ mortgage purchase programs
  • Represented an out-of-state craft brewer in connection with opening a brewery in Wisconsin and issues relating to the out-of-state shippers’ permit

Honors

  • Selected for inclusion in Wisconsin Super Lawyers – Rising Stars

Affiliations

  • Wisconsin Association for Financial Professionals (Past President (2015-16); President (2014-15); Vice President (2013-14); Board Member (2013-17))
  • A Flight of Financing Options,” Reinhart E-Alert (June 2015)
  • “Borrower Beware: Taking Precautions Against Defaulting Lenders and Agents,” AFP Exchange (November 2009)
  • Hot Topics in Food and Beverage Law, June 2017
  • “How to Start Your Food or Beverage Business: Legal and Risk Management,” FaB Wisconsin FaBcap_starter Conference, May 2017
  • “Borrower Boot Camp: Loan Document Fundamentals,” Treasury Management Association of Chicago Windy City Summit, May 2017
  • “What We Learned from 2008 & the Impact of Dodd-Frank,” State Bar of Wisconsin’s 13th Annual Commercial Real Estate Update Seminar, November 2016
  • “Borrower Boot Camp: Credit Facility Fundamentals” and “Borrower Boot Camp: Advanced Topics in Structuring and Negotiating Credit Facilities,” Association for Financial Professionals 2016 Annual Conference
  • “The Over-Regulation of Craft Breweries,” Marquette University Law School, September 2016
  • “Borrower Boot Camp: Tips and Strategies for Negotiating Loan Documents,” Treasury Management Association of Chicago, 2016 Windy City Summit, May 2016
  • “Crash Course in Covenants and Collateral,” 2016 Wisconsin Lenders Conference, May 2016
  • “Malt Madness: Market Barriers, Business Solutions & Growth Opportunities,” March 2016
  • “Legal Considerations in Food & Beverage Businesses,” FaB Wisconsin Kick-Off Conference, October 2015
  • State of the Brewery: Market Trends, Creative Solutions & Hot Topics, September 2015
  • “Borrower Boot Camp: Loan Document Fundamentals,” Treasury Management Association of Chicago, 2015 Windy City Summit
  • “Borrower Beware: Trends in Negotiating Loan Documents,” Association for Financial Professionals 2014 Annual Conference
  • “Negotiating Loan Documents in Today’s Environment,” Association for Financial Professionals 2013 Annual Conference
  • “What Solar Companies Need to Know,” Infocast Solar Power Finance & Investment Summit 2013
  • “Negotiating Loan Documents in Today’s Environment,” Wisconsin Association for Financial Professionals 2012 Annual Conference
  • “Negotiating Loan Documents in Today’s Environment,” Association for Financial Professionals 2011 Annual Conference
  • “Protect Yourself: Negotiating a Credit Facility in Today’s Environment?” Association for Financial Professionals 2010 Annual Conference
  • “Negotiating Real Estate Loan Terms and Workout Options,” National Business Institute, 2010