Reinhart’s Commercial Lending group regularly represents banks and other lenders, and private and public companies, in structuring, negotiating and documenting a wide variety of credit facilities. Our work focuses on broadly syndicated credit facilities and club deals in the middle market and large cap spaces and single bank lines of credit in the middle market and small cap spaces.
More specifically, our attorneys have a wealth of experience with respect to:
- Senior and subordinated loans
- Cash flow and asset-based loans
- Mezzanine, private equity and venture capital financing
- Construction loans
- Agricultural lending and the related specialized kinds of collateral
We provide assistance to our clients at all points of a financing transaction. We enjoy assisting our clients at the outset of a transaction – with involvement in the early stages, we are able to provide strategic guidance so as satisfy our clients’ overall needs. Having these discussions early on makes the rest of the deal go more smoothly and the end result more beneficial to our clients.
Finally, in addition to structuring the financing and negotiating the loan documentation, our Commercial Lending attorneys advise our clients with respect to post-closing compliance issues. For example, we often analyze loan and security documents to make sure potential business transactions do not violate the terms of the existing documents.
Our Banking and Finance attorneys regularly represent privately held middle market companies as well as public companies in structuring, negotiating and documenting their loan documents. Our clients operate in a range of industries, with particular prominence in manufacturing, agriculture and dairy. In our borrower work, our goal is to ensure our clients have ready access to funding while simultaneously retaining the flexibility to run – and grow – their businesses. Starting with the term sheet and other commitment papers through to closing of the definitive loan documents, we always have the long-term outlook in the forefront. After all, the easiest way to lessen the ongoing burden of covenant compliance is to think ahead and anticipate your needs.
Throughout the lifecycle of a loan, we are able to provide assistance to our borrower clients. For example, we routinely review loan documents to confirm that our borrower clients remain in compliance with the documents as they continue to operate their businesses.
Our Banking and Finance attorneys routinely represent regional and community banks, as well as other financial institutions and lenders, in structuring, negotiating and documenting commercial loans. Our lender representations range from broadly syndicated credit facilities, to club deals, to single bank lines of credit. In agented facilities, we not only advise the lead banks; we also often counsel syndicate members and participants in the facilities.
We appreciate that a lender/borrower relationship is usually a long-term arrangement, so we take a practical approach to negotiations. No matter the size of the loan or the structure of the facility, we focus on being efficient and ensuring that our lender clients are sufficiently protected.
Our Banking and Finance attorneys regularly draft and negotiate swaps and other derivatives on behalf of our bank and corporate clients. Specifically, we have a wealth of experience with a wide range of swaps and derivatives, including interest rate swaps, foreign exchange or currency swaps and forwards, options (such as puts, calls, floors, caps and collars) and credit default swaps.
In addition, we counsel end users as well as community banks as they navigate the increased swaps and derivatives regulations of the post-Dodd-Frank world. The regulatory landscape has changed dramatically over the last few years, and our attorneys can guide you through the often bewildering regulatory maze. Finally, we advise community banks and their boards of directors as to “best practices” in connection with the swaps products they offer to the bank’s customers.
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