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Banking and Institutional Lending

We have one of the most comprehensive banking and institutional lending practices in Florida and in the Southeastern United States. We understand the sophisticated issues of the banking industry and have emerged as a leader among Florida law firms in this increasingly complex, highly regulated industry.

We serve as counsel to numerous financial institutions with operations in Florida, from locally based community banks and thrifts, to large regional banks, to some of the largest financial institutions in the world. We also represent numerous foreign financial institutions that lend to Florida-based companies.

Our Firm represents a variety of financial institution clients in this field, including:

  • Traditional banks 
  • Mortgage lenders 
  • Mortgage brokers 
  • Finance companies

Banking and Institutional Lending Experience

Our attorneys provide banks and other institutional lenders with a wide variety of services, including:

LENDER REPRESENTATION

  • Loan documentation 
  • Loan work-outs and loan recoveries 
  • Bankruptcy and creditors' rights 
  • Asset-based financing 
  • Small Business Administration (SBA) loans 
  • Real estate based lending, including multi-state real estate based loans
  • Syndicated and participation loans 
  • Letters of credit

CAPITAL RAISING FOR FINANCIAL INSTITUTIONS AND HOLDING COMPANIES

  • Initial and follow on public offerings (IPOs) 
  • Debt and equity placements

MERGERS AND ACQUISITIONS

  • Acquisition agreement negotiation and drafting 
  • Due diligence issues 
  • Regulatory applications 
  • Registration and proxy statements for SEC filing 
  • Post-closing regulatory filings

REGULATORY MATTERS

  • Licensing and reporting 
  • Federal and state lending compliance, including Truth-in-Lending and RESPA 
  • UCC compliance 
  • Control issues 
  • Permissible business activities 
  • Charter conversions

REORGANIZATIONS AND CHARTERS

  • De novo and interim applications 
  • Holding company formations 
  • Charter conversions 
  • Subsidiary reorganizations and dispositions