Business Finance

Cummins & White, LLP’s financial lawyers have extensive and broad-based finance experience. We represent companies who borrow or seek equity for acquisitions and operations, commercial equipment finance, whether secured or unsecured borrowing, private debt and/or equity placements under Rule 506 and restructurings.

Our financial lawyers undertake many complex transactions, including large syndicated financings and cross-border transactions often involving security interests in unusual types of collateral such as crops.  Our attorneys are  highly adept at providing “Borrower’s Opinion of Counsel” sufficient to provide lenders with comfort to close transactions. We provide advice to our corporate clients in many capacities including analyzing loan documents, limitations on collateral and guaranty, as well as tax and financial statement issues relevant to their financing needs.

Real Estate Finance

Cummins & White’s attorneys represent borrowers in all types of mortgage and secured lending transactions, including construction and permanent financing, revolving and term financing, mezzanine financing, leasing and other forms of off-balance sheet financing.  We also provide “Borrower’s Opinion of Counsel” which give lenders confidence to close transactions. We also coordinate all necessary environmental, survey and title work, necessary to ensure that lenders will close on time.

Our lawyers also work with lenders and borrowers to reach creative solutions in connection with troubled real estate loans.  We utilize our broad experience in the secured financing arena to develop comprehensive documents to facilitate loan restructurings and loan workouts.  We have substantial experience in structuring deed-in-lieu of foreclosure transactions for our lending and borrowing real estate clients.