Commercial Lending

Attorneys in our Utah offices represent and advise commercial lenders and borrowers in all stages of the lending relationship, including documenting lending relationships, modifying or restructuring existing lending relationships, and navigating troubled loan situations. We have extensive experience preparing and negotiating credit agreements, factoring agreements, security documents, loan modifications, participation and intercreditor agreements, and credit opinion letters. In troubled loan situations, we support our clients by foreclosing on real estate or personal property collateral, prosecuting lender liability and deficiency litigation, and negotiating and documenting loan workout, forbearance, and loan sale and assignment agreements. We also regularly handle commercial collection matters for our clients when workouts are ultimately unsuccessful.

Our Key Clients

We represent many national and local banks, credit unions, SBA lenders, and non-institutional lenders, as well as individual and business borrowers.

Our Commercial Lending Attorneys

Our team of commercial finance, real estate finance, and restructuring lawyers have years of transactional experience with commercial, real estate and consumer lending transactions and demonstrated expertise in resolving risk management issues for our clients, such as problem loans, workouts and bankruptcy representation.

Integration with Other Practice Areas

Our Commercial Lending Group is integrated with our Bankruptcy and Business & Finance Sections. The members of the group work with other lawyers in the firm to handle complex financings, debt restructurings and workouts, while also servicing the day-to-day financing and other needs of our commercial finance and banking clients. The scope of substantive expertise allows our lawyers to provide business-oriented, practical advice appropriate to both the specialized needs of the client and the specific transaction.

Legal Specialties Related to the Banking and Financial Industries

  • Commercial Loan Documentation
  • Real Estate Lending
  • Asset Based Lending
  • SBA Lending
  • Acquisition Financing
  • Distressed Loan Defaults, Workouts and Reorganizations
  • Foreclosure of Real Estate and Personal Property Collateral
  • Dispute & Conflict Management & Resolution
  • Regulatory Compliance
  • Consumer Lending