Commercial Lending
Gammage & Burnham’s Commercial Lending practice is recognized for its savvy, highly experienced team that delivers creative, effective solutions tailored to the unique needs of each transaction. With decades of combined experience, our attorneys handle commercial lending matters across a wide range of industries and client types, from national banks and community credit unions to private lenders and family-owned businesses. Whether representing large financial institutions or smaller, regional players, we work collaboratively with clients to ensure that their transactions are completed efficiently and with precision.
Our team is highly skilled in navigating the complexities of each lending transaction, and we understand the intricate relationships between lenders, borrowers, and other stakeholders. We focus on delivering personalized, strategic advice designed to protect the interests of our clients while ensuring that deals are structured to meet both immediate goals and long-term objectives.
We provide comprehensive services in the following areas:
- Real Estate Acquisition, Construction Financing, and Permanent Facilities
- Asset-Based Loans (Term and Revolving Facilities)
- Timeshare Receivables and Resort Development Financing
- Leveraged Buyouts and Mergers & Acquisitions (Stock and Asset Transactions)
- Equipment Finance
- Healthcare Receivables
- Agricultural Loans
- Inter-Creditor and Subordination Agreements
- Letters of Credit, Loan Syndications, Participations, and Interest-Rate Swaps
Our Commercial Lending practice serves a wide variety of clients, and we are particularly well-regarded for our expertise in the following specialized areas:
Commercial Lending
Our team is skilled in handling complex transactions, including senior, mezzanine, and subordinated debt arrangements. We regularly assist clients with loans ranging from smaller, more straightforward deals to large transactions involving hundreds of millions of dollars, both within Arizona and beyond. Our understanding of market practices and commitment to finding creative solutions ensures that every lending transaction we manage is successful and aligned with our clients’ objectives.
Timeshare and Resort Finance
Gammage & Burnham has a national reputation in timeshare and resort finance, having represented lenders in over $2.5 billion in funding and commitments. Our team has extensive experience in structuring presale lines of credit, inventory financing, acquisition financing, resort development financing, and hypothecation lines of credit secured by receivables arising from the sale of timeshare interests to consumers. Whether it’s helping to structure financing for timeshare properties or facilitating complex resort development transactions, we offer the expertise to navigate the unique challenges of the industry.
Creditors’ Rights
Our creditors’ rights attorneys specialize in creative solutions for distressed assets, helping lenders manage risk in complex situations. We assist in repositioning or disposing of distressed assets, negotiating workouts with debtors, and advising investors on opportunities involving short sales or trustee’s sales. Whether dealing with restructuring, workouts, or enforcement, our attorneys are adept at providing strategic counsel that protects each lender’s interests and ensures successful outcomes.
Comprehensive and Client-Centered Approach
Our team collaborates closely with clients throughout every phase of the lending process, from initial structuring, due diligence, and document drafting to closing and post-closing matters. We bring sophisticated legal knowledge, industry-specific insight, and a deep understanding of market standards to each transaction, always aiming to deliver practical solutions that meet our clients’ needs.
We regularly represent:
- Financial Institutions: National banks, regional banks, credit unions, life insurance companies, and other institutional lenders.
- Private Lenders: Family businesses, private entrepreneurs, and other non-institutional lenders.
- Borrowers: Businesses in a wide variety of industries, including real estate (acquisition and development), healthcare, agriculture, manufacturing, and more.
Whether facilitating a straightforward loan or negotiating a complex syndicated loan, our team’s comprehensive approach ensures that every lending transaction is managed efficiently and effectively.
