Commercial Finance

Stites & Harbison possesses extensive experience in commercial lending transactions having represented major commercial and regional banks, credit unions, insurance companies, placement agents and trust companies – as well as borrowers, developers, and lessees, in a wide range of commercial financing transactions throughout the United States.

Our attorneys routinely handle the most sophisticated and complex structured financing transactions including syndicated credit facilities, synthetic lease transactions, securitizations, tax-exempt bond financing, tax increment financing, and tax credit financing. Additionally, we assist our small business and start-up clients in closing SBA 7(a) and 504 agency-guaranteed loans; and structuring, negotiating, documenting and recovering commercial, real estate, and consumer loans.

Our experience also includes:

• Leveraged equipment financing
• Vendor financing programs
• Project financing
• Conduit lending
• Mortgage warehouse lending
• Leveraged acquisition lending
• Leveraged employee stock ownership plan loans

Stites & Harbison attorneys manage a variety of asset-based loan transactions with collateral ranging from traditional accounts receivable and inventory to more specialized property such as equine bloodstock, hospital and nursing home assets, music portfolios, mobile kitchens, fleets of mobile offices, aircraft, barges, rolling stock, securities and investment property, agricultural installations, telecommunications networks, and various types of capital manufacturing equipment.

With every transaction, we strive to minimize client risk while providing appropriate solutions that address our clients’ legal and business needs.