Commercial Financing

Commercial Financing

The ever-changing and complex nature of federal and state regulations on commercial financing makes it a risky endeavor to undertake, even without the normal hazards and nuances involved in securing loans and other forms of financing. You need skilled legal counsel and representation to be able to navigate the process safely.

At Hart David Carson, our attorneys can help you avoid the legal and contractual pitfalls inherent in securing commercial financing, whether you need it to fund a real estate acquisition or simply to pay for a new project.

Contact our team today to learn more by calling (630) 931-0379 for a free and confidential consultation.

For Real Estate Ventures

The way laws and legal agreements apply to commercial financing will ultimately depend on the type and purpose of the financing sought. The nature of the venture to be undertaken, its purpose, and its magnitude will all come into play when making decisions about financing. Commercial real estate financing may be used for a variety of purposes, including:

  • Acquisition
  • Development and subdivision
  • Construction
  • Refinancing

There are many types of commercial financing, all of which have their own unique nuances, strengths, weaknesses, and applications. A few types of financing real estate investors and managers may find useful include:

  • Real estate secured loans: Pledging a piece of property as collateral for a loan constitutes a secured loan. If the property is real estate, then it is a real estate secured loan. This may be done through a commercial mortgage or equity loan. These are generally better than loans secured by inventory or equipment since the collateral is of a more solid quality.
  • Leveraged financing: Leveraged financing is essentially a loan with higher-than-normal debt and risk. It comes in many forms, and will often be used for such operations as financing acquisitions, recapitalizations, assets, or projects.
  • Structured financing: Structured financing is a highly complex financial arrangement for those whose financing needs are more complex than what the usual bonds or loans will allow for. It may utilize such tactics as securitization, tranching, or credit enhancement.

Knowing the financial and legal implications of each type of financing is crucial prior to making a decision on what type of financing you will use. In addition, the agreements can become highly complex, meaning you will need skilled legal assistance when negotiating, structuring, and interpreting a financial agreement. Hart David Carson can help you negotiate commercial financing agreements and determine how to implement them within the limits of federal and state regulations.

Other Purposes

In addition to assisting with real estate ventures, commercial loans may be used for funding projects, acquiring assets, securing the company against buyouts, and making long- and short-term investments.

Skilled Legal Advising

Regardless of the type and purpose of your commercial financing needs, you must enlist the aid of a skilled attorney. Our commercial financing attorneys offer a wide range of services, including:

  • Advising on transaction and agreement structuring
  • Representation and negotiation
  • Document drafting, including agreements, contracts, letters of credit, etc.
  • Litigation and dispute resolution
  • Restructuring of financial arrangements
  • Loan modifications
  • Commercial loans

Each financing endeavor has its own unique twists and challenges, so we tailor our services to best match your individual needs. 

To learn more about our legal advising and representation services, contact Hart David Carson today.

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Whether you have questions or you’re ready to get started, our legal team is ready to help. Complete our form below or call us at (630) 931-0379.

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