Commercial Lending: Clients and Transactions

We have represented commercial lenders and borrowers in large and small asset-based lending transactions involving personal property collateral including accounts receivable, inventory, equipment, fixtures and other goods, promissory notes, deposit accounts, intangibles and other collateral. Structures have included revolving credit facilities, term loans, mezzanine loans secured by borrowers' ownership interests in entities, letters of credit and equipment leases. We also have experience with "mixed-collateral" loans - those secured by both real property and personal property - including advising, as a part of the initial documentation, on issues in the event that the lender has to foreclose on the collateral after a default.

Our documentation in these transactions have been of the loan or other credit agreements, all documents to assure that the lender obtains and perfects its security interest in the collateral, intercreditor agreements, subordination agreements, letter of credit-related documents, opinions of borrowers' counsel and others. We have prepared sets of form loan documents and have also provided support on a limited basis in reviewing clients' loan documents that have been generated by form loan programs.

In addition to representing private sector lenders and borrowers, we also have substantial experience in representing "mission-based" lenders whose loan programs address public purposes including job creation, area revitalization, economic development, disaster assistance and other "double bottom line" lending goals.

We have also provided representation in connection with other Uniform Commercial Code transactions including letters of credit, investment securities and sales of goods.

Commercial Lending Transactions

· Public agency-affiliated lender: all asset based loans to individual and entity borrowers and to all borrowers in specific retail projects

· Commercial bank: multiple interest rate options loans with accounts receivable, inventory, equipment as collateral

· Commercial bank: workout which required as additional collateral, limited partnership interests of borrower affiliate convertible to shares of stock of borrower's corporate general partner

· Financial institution: loan to borrower to enable the borrower's purchase of a real estate secured promissory note and deed of trust from an institutional real estate lender

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Williams & Associates
555 West Fifth Street
Suite 3100
Los Angeles, CA 90013

Phone: 213-631-9201
Fax: 213-947-1799
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