We have a vibrant, experienced, and nationally recognized commercial lending practice, with the flexibility and knowledge to properly navigate the intricacies of every lending transaction.

We understand the necessities in negotiating each business loan and we seek creative solutions to ensure every transaction is a success.

Gammage & Burnham has a vibrant, experienced, and nationally recognized commercial lending practice with more than 100 years of combined experience. The team has the flexibility and knowledge to properly navigate the intricacies of each individual lending transaction, regardless of the type. Whether representing a sophisticated financial institution, or assisting a family-owned enterprise, we understand the needs of the parties, and the terms customary to the market, and we actively seek creative solutions to ensure the transaction is a success.

We currently represent a wide variety of lenders, including national banking associations, community banks, credit unions, finance companies and private party lenders in a multitude of commercial lending matters, such as:

  • real estate acquisition, construction financing and permanent facilities
  • asset-based loans (term and revolving facilities) involving a variety of collateral
  • timeshare receivables and resort development
  • leveraged buyouts
  • mergers and acquisitions (stock and assets)
  • equipment finance
  • healthcare receivables
  • agricultural loans
  • inter-creditor and subordination agreements
  • letters of credit, loan syndications, participations and interest-rate swaps and caps

Our talented lending team has extensive experience in these specific areas:

Commercial Lending
Our commercial lending practice focuses on Arizona but has an international scope, working with lenders and borrowers throughout the U.S. and beyond. We work on transactions of varying complexities and size, involving senior, mezzanine and subordinated debt elements, ranging in size from a few million to in excess of $500 million.

Timeshare and Resort Finance
Our team of timeshare and resort finance experts has represented lenders in more than $2.5 billion in aggregate funding and commitments. We have earned a national reputation for assisting clients with documenting hypothecation lines of credit, presale and pre-deed lines of credit, inventory financing, acquisition financing, fee-for-service transactions and resort development financing.

Creditors’ Rights
Our creditors’ rights attorneys regularly source creative solutions to unusual issues that arise from the condition of distressed assets. We assist lenders to reposition or dispose of distressed assets, aid developers in negotiating a work-out or other resolution with their lender, and counsel investors seeking a savvy purchase opportunity through short sale or trustee sale.