Banking and Financial Services
GSRM has a long history of representing financial institutions, including banks, savings banks, insurance companies, mortgage companies, credit unions and industrial loan and thrift companies. The firm’s experience ranges from transactional matters, such as commercial credit facilities involving multiple jurisdictions, to resolving Uniform Commercial Code issues, to loan workouts and litigation. GSRM’s experience covers many of the legal challenges faced by the banking and financial services industry including:
- Asset based lending
- Syndicated credit facilities
- Secured transactions
- Acquisition finance
- Bridge finance
- Real estate lending and finance
- DIP financings
- Financial institutions litigation
GSRM advises both lenders and borrowers in practically every form of commercial lending. Our attorneys finalize loan transactions that are consistent with our clients’ long and short term financial objectives. The firm has experience with both large and small transactions, including secured and unsecured commercial credit facilities—such as small loans and single borrowers—to multimillion dollar transactions with participants. Our attorneys negotiate, document and close asset based lending agreements, leveraged and synthetic leases, construction and development loans.
GSRM provides clients with considerable legal insight in the syndicated loan market. Our attorneys advise clients on establishing a deal structure, negotiating the terms of agreement, and documenting and closing the transaction. Our successful transactional experience spans many industries, including agriculture, transportation, cable, gaming, healthcare, intellectual property, equipment, technology, telecommunications and food/beverage.
GSRM has advised clients on all types of collateral, such as inventory and equipment, intellectual property, aircraft and real estate. Our experience in loan documentation includes letters of credit and inter-creditor, collateral agency, subordination and purchase and sale agreements, interest rate options, collateral custodian and swap agreements. Our attorneys advise on secured/unsecured debt financing, leveraged leasing and sale/leaseback transactions, and project and production payment finance.
GSRM represents lenders and borrowers on synthetic lease and other real estate loan agreements. Our attorneys have advised conduit lenders, construction/project lenders, pension funds, partnerships, real estate developers, REITs, securitized mortgage originators, mortgage brokers and loan servicers. GSRM’s real estate finance practice includes not only construction, permanent, convertible, mezzanine, revolving, acquisition, bridge and development loans, but also tax-exempt financings, credit enhancements and complex multistate agreements.
GSRM advice in mortgage transactions ranges from complex financing for income producing properties to conventional home mortgages. The firm’s lawyers frequently serve as local counsel for lenders and borrowers from other states. They render legal opinions on all aspects of mortgage lending, including usury, qualifications for doing business in the state, and lien priority matters. In addition, our attorneys are active members in the American College of Mortgage Attorneys.
The protection of our client’s financial stake in any given debt instrument is often essential to achieving financial objectives. Our attorneys have represented lenders in loan workouts and restructurings, bankruptcies, liquidations and foreclosures. Should foreclosure or bankruptcy litigation become a necessity in the protection of our client’s investment, GSRM lawyers focus on the maximum collateral recovery possible.