Services Details

Banking & Finance

Our Banking & Finance Group advises a range of financial entities on commercial lending, operations and operational litigation, bankruptcy and creditors' rights and distressed real estate.


We have extensive experience on both the state and national levels with a variety of commercial lending transactions, including secured and unsecured, first-lien, second-lien and mezzanine financings, revolving credit facilities, term loans, syndicated loans, letters of credit, fixed and floating loans with interest rates tied to LIBOR, treasury bills, prime rate and other reference bases, and related ISDA agreements. 

Our attorneys have represented national, international and community banks, domestic and foreign investors, funds, borrowers in a number of industries, and sponsors in originating, syndicating, transferring, refinancing, and in workouts of, these transactions.

To further serve our clients' needs, our commercial finance attorneys have access to experienced attorneys readily available within the firm who practice in a variety of supporting legal roles such as bankruptcy, local, state and federal taxation, corporate and business organizations, securities, environmental and healthcare.

We represent a wide range of financial entities, including national banking institutions, community banks, real estate investment trusts (REITs), savings and loan associations, venture capitalists, the real estate lending departments of insurance companies, asset-based lenders, and leasing companies.

We serve this industry in multiple capacities:

Commercial Lending

  • Real Estate Secured Lending
  • Secured and Unsecured Term Financings
  • Acquisition Financing
  • Construction Lending
  • Revolving Credit Financings
  • Automobile Dealership Loans
  • Permanent Loan Facilities
  • Aircraft Leasing and Financing
  • Asset Based Lending
  • Equipment Lease Financing
  • Letters of Credit
  • Community Development District Bond Financing
  • Syndicated Lending
  • Taxable and Tax Exempt Bond Financing

Operations & Operational Litigation

  • Asset Recovery
  • Vendor Contract Negotiations
  • Copyright and Intellectual Property Protection
  • Defensive Litigation on Accounts, Negotiable Instruments, Setoffs and Deposits
  • Defense of State and Federal Debt Collection Claims
  • Depositor Account Issues
  • Electronic Funds Transfer Act
  • Employment Law Issues
  • Fiduciary Issues and Claims
  • Fraud Claims
  • Improper Loan Servicing Claims
  • Privacy and Data Security
  • Safe Deposit Box Issues
  • Trust and Trustee Services/Trust Litigation
  • Garnishments and Seizure Warrants
  • Other Uniform Commercial Code and Compliance Issues

Bankruptcy & Creditors' Rights

  • Bankruptcy Litigation, Including Preference, Fraudulent Conveyance and Claims Litigation
  • Chapter 11 Reorganizations
  • Commercial Collections
  • Commercial Foreclosures
  • Complex Problem Loans Involving Multiple Borrowers and a Variety of Collateral
  • Enforcement and Foreclosure of Mortgage and Securities Agreements
  • Enforcement of Final Judgments, Including Garnishments, Attachments and Forced Sales
  • Receivership Proceedings
  • Replevins and Repossessions
  • Residential and Timeshare Foreclosures
  • Restructuring Troubled Loans
  • UCC Sales
  • Section 363 Sales
  • Workouts

Distressed Real Estate

  • Bank Owned Real Estate: Clean-up and Sale
  • Investor/Developer Acquisition of Distressed Real Estate
  • Community Development District Bonds and Assessments
  • Development Entitlements
  • Fractured Condominiums (Bulk Sale and Successor Developer Status; Terminations)
  • Homeowners/Condominium Association Assessments and Governance
  • Mortgage Loan Acquisitions and Sales
  • Real Estate Tax Certificates
  • Short Sales
  • Tax Deed Applications

KEY CONTACTS


Edward Clement

Shareholder & Co-Chair, 
Banking & Finance Group
352-383-4186
ed.clement@lowndes-law.com


Mark Heimendinger

Shareholder & Co-Chair, 
Banking & Finance Group
407-418-6271
mark.heimendinger@lowndes-law.com


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