O’Brien Law: Comprehensive Legal Services for Commercial Lenders
O’Brien Law represents banks and private lenders in all aspects of the commercial lending process, from commitment letters to closings and workouts. Our quick turnaround times and personal service in this area are unparalleled.
With over a decade of experience, we represent local and national lending institutions at every phase of commercial lending transactions. From structuring loans and drafting commitment letters to closing loans and managing post-closing matters, our team ensures smooth and efficient processes. We also provide support in resolving troubled credits.
Our comprehensive approach includes advising on loan documentation, due diligence collection and review, title and survey matters, zoning issues, tax planning, and third-party agreements with contractors, architects, and engineers.
Types of Loan Transactions We Handle
Real Estate Secured Loans
Our attorneys specialize in real estate-secured loans, including acquisition, refinancing, construction, and permanent loans.
Asset-Based Lending
We represent lenders in financing transactions such as term loans, working capital loans, and lines of credit secured by accounts receivable, inventory, intellectual property, vehicles, equipment, and other collateral types.
Floor Plan Lending
Our firm has extensive experience assisting lenders, including large national financial institutions, in floor plan lending transactions. We understand the unique challenges associated with automobile dealerships and provide solutions for lenders working with these clients.
Loan Participations
When participating in a loan transaction with a lead bank, it is crucial to ensure that the underlying loan documents and Participation Agreement meet your requirements. We have the knowledge and experience to review loan documents and participation-related agreements, including certificates.
Government-Backed Lending
We streamline the closing process for government-secured loans, including Small Business Association (SBA) guaranteed loans (7(a) and 504 loans), Banking on Business Loans, USDA loans, PEDFA bond transactions, Industrial Development Authority transactions, and Tax Increment Financing transactions.
Municipal Financing
We assist lenders in providing financing for a wide range of municipal projects, offering reliable counsel tailored to these unique transactions.
Bond Financing
O’Brien Law is among the few firms in Northeastern Pennsylvania with a practice in municipal finance law. We provide comprehensive assistance for banks, school districts, authorities, and governments in new bond financings and refinancing of existing debt.
Specialized Opinions for Lenders
Lender’s Title and Oil and Gas Opinions
We prepare lender’s title and oil and gas opinions addressed to banks providing loans secured by mortgages or other security instruments. These opinions verify that lenders acquire proper security for their loans and confirm their ability to proceed against properties in the event of default.
Title insurance does not cover oil and gas rights. A detailed title opinion is essential for ensuring that borrowers own the oil and gas rights offered as collateral. This process often involves land record searches spanning more than 150 years. If your collateral includes oil and gas rights, our experienced team can assist you.
At O’Brien Law, we are committed to delivering comprehensive and efficient legal solutions for commercial lenders. Contact us today to learn how we can support your lending needs.