Polsinelli’s Commercial Lending practice represents lenders and borrowers across the nation through the complexities of securing capital. Our team’s multidisciplinary approach efficiently guides lenders and borrowers in secured and unsecured credit facilities. Whether working with a local bank or national financial institution, Polsinelli has a deep bench of attorneys across the nation and extensive experience to handle the most complex transactions.

Polsinelli Commercial Lending attorneys represents lenders of all sizes, including local banks and credit unions, regional banks, investment groups, national and international financial institutions, and syndicate lender agents and participants. We partner with clients through all phases of the lending process, beginning with initial structuring (including term sheets, commitment letters and approvals), to due diligence, to drafting and negotiating credit documents, through closing.  We apply sophisticated know-how, coupled with a unique understanding of each lender’s and borrower’s needs to help our clients navigate the complexities of commercial lending, apply practical solutions and get the deal done.

Polsinelli Commercial Leading team represents lenders, in single lender and co-lender transactions, with a unique understanding that our clients’ goal is to establish an ongoing relationship with their borrowers, and an appreciation that our role in each transaction offers a critical opportunity to strengthen that relationship.

Polsinelli Commercial Lending team also represents local business, regional companies and national and international borrowers across the country. We handle single-borrower, multiple-borrower, single-bank and syndicated bank credit facilities of all sizes. Our goal is to help our borrower clients put a financing structure in place that will allow them to focus on running their business. This requires us to put our years of experience to work anticipating needs, understanding the intricacies of their industry, and negotiating documents that creatively address those needs.

In both borrower and lender representations, our team focuses on analyzing credit risk, establishing security interests, intercreditor and subordination issues, and advising on regulatory compliance. Our understanding of market standards, and our ability to leverage the experience of other attorneys in our firm, including environmental, ERISA, insurance, health care, and labor and employment attorneys, ensures we can comprehensively guide our clients through each phase of the lending process.

Our Commercial Lending attorneys have extensive experience in all types of loans, including:

• Acquisition loans
• Asset-based loans
• Cash-flow loans
• Equipment leasing
• Mezzanine financings
• Project finance
• Senior and subordinated debt instruments
• Syndicated commercial loans
• Term and revolving credit facilities
• Warehousing loans
• Working capital loans

For lenders seeking stable and predictable collateral bases and for businesses looking for flexible working capital, traditional asset-based financing often remains the best option. Our asset-based lending team has decades of experience helping lenders take advantage of all collateral types to provide needed capital to borrowers for investment and growth while ensuring that the lender is securely protected in the borrowing base structure underlying the loan. Polsinelli attorneys have experience across all industries and have represented clients in transactions involving traditional and non-traditional collateral, including:

• Accounts receivable
• Broadcast licenses
• Equity interests
• Health care receivables
• Intellectual property
• Inventory
• Railroad assets
• Real estate
• Rolling-stock
• Unique oil field assets