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Commercial Lending and Real Estate Finance

Spencer Fane combines its industry insights with responsive, considerate legal counsel to help lending and financial institutions of all types navigate the complex regulatory landscape that affects closing their deals. Recognizing that each type of financial institution not only faces unique regulatory challenges but also seeks to achieve unique business goals, the Commercial Lending and Real Estate Finance team tailors its solutions to meet each client’s objectives. The team understands that prompt execution is critical to compete in the financial marketplace and prioritizes serving clients efficiently and effectively.

Spencer Fane works quickly and collaborates closely with clients on each project so they can seamlessly complete transactions for key stakeholders involved in their projects. We represent national and state-chartered banks, credit unions, mortgage lenders, and other licensed financial institutions in all phases of lending, from loan structuring, negotiating and drafting transaction documents, and regulatory compliance to loss mitigation, collection, foreclosures, and receivership. The team assists clients at any level, from single bank loan matters to complex syndicated transactions. Our experience includes guiding clients in dealings with the Federal Reserve, OCC, FDIC, and state regulators. In the complicated business environment of the financial sector, our team helps clients navigate the industry’s specific requirements and timelines.

Our attorneys also counsel clients in real estate development, employee stock ownership plans, and mergers and acquisitions. We help unregulated financial service companies develop and implement business strategies. Members of our practice are involved with the American Bankruptcy Institute, the nation’s largest association of bankruptcy professionals, as well as other key organizations within the industry.