Our Banking & Finance practice focuses on the lending and regulatory activities of regional and national commercial lenders, retail banks, life insurance companies, CMBS conduit lenders, credit unions, savings associations and other financial institutions. We represent both commercial lenders and borrowers and understand the requirements and approaches of both secured and credit debt financing. Our practice also focuses in regulatory compliance of financial institutions.
Firmwide, we have over 100 attorneys with experience in banking and finance. Our services include:
Our Banking & Finance team provides guidance in loan documentation, loan protection strategies and borrowing flexibility. Our expertise extends from the complex tax and regulatory issues involved in the acquisition and merger of commercial banks and financial institutions to day-to-day lending questions and working with loan officers to document commercial loans. We also provide counsel on construction and permanent debt and equity facilities financings for projects including ethanol production facilities, distribution centers and power plants.
Our firm's experience in real estate lending includes securitized debt transactions representing borrowers and lenders, including the drafting and negotiation of loan documents, the issuance of non-consolidation opinions, the structuring of the borrower with respect to "special purpose entity" provisions and working with the major credit rating agencies with respect to securitization issues.
Our attorneys have significant experience in real estate lending including permanent and mini-perm lending for office and commercial developments, including shopping centers, as well as apartment complexes. We handle both recourse and non-recourse loans and construction loans and loans financing leasehold interests. Our attorneys typically act as coordinators with landlords, tenants, contractors and architects in handling real estate finance transactions, as appropriate in the situation. We represent investors, lenders and developers on a regular basis in tax credit matters and have in-depth experience in new markets, historic and low-income tax credit projects. We also represent a real estate investment trusts (REIT) and, through that representation, have developed a substantial body of knowledge as to the tax issues relevant to REITs in a financing context.
We have unique experience in the specialized area of asset securitization. We have been instrumental in the development of asset-backed securities for credit cards, commercial mortgage loans (CMBS), and commercial loan and equipment lease portfolios. Securitization programs have enabled our clients to access capital markets through term and conduit commercial paper programs. We assist first-time issuers by developing internal systems, achieve regulatory compliance, and coordinate with credit enhancers, rating agencies, trustees, accountants, investors and placement agents. We have worked with other law firms without securitization expertise to provide specialized assistance for securitization programs, including the drafting of documents, preparation of opinions, and providing true sale and non-consolidation opinions.
We have represented all types of investors in large cap syndications, both on the par and distressed side, including debt trades. We understand the economic pressures and desire to contain costs in these transactions and have developed a sophisticated practice by quickly and efficiently analyzing large cap transaction documents for investors seeking a high level determination of "term sheet compliance" and to discover "fatal flaw" issues. Our firm is a member of the Loan Syndications and Trading Association (LSTA).
Our attorneys have significant experience in transactions involving financing borrowers with nontraditional or unique businesses including fleets of title vehicles, "multi-draw" type term loans based on periodic valuations or "borrowing bases," environmentally sensitive assets, including assets consisting of landfills and related equipment, and significant intellectual property.
We also counsel clients on transactions involving various tax credits and incentives. We provide advice and analysis of available federal, state, and local tax credits and incentives and structuring of complex transactions involving, among others, new markets tax credits, federal and state historic rehabilitation tax credits, federal and state low income housing tax credits, brownfield tax credits, and Missouri affordable housing assistance program tax credits. Our attorneys handle various structuring and compliance issues, draft organizational and operational documents, and facilitate the purchase and sale of transferable tax credits. In addition, we issue the various opinions necessary to facilitate the transactions including Circular 230 tax opinions.
Several of our lawyers are active in the American Bar Association's Commercial Financial Services Committee, including two former Chairs. Three of our attorneys are members of the American College of Commercial Finance Lawyers and two are members of the American College of Mortgage Attorneys. Many of our lawyers are also members of the ABA’s Real Estate Section. Additionally, members of our group frequently publish on commercial financial services issues and several attend and/or speak at the annual meeting of the Commercial Finance Association.
Longstanding business lawyer with excellent credentials.
Outstanding lawyer and trusted advisor. David is one of the best litigators in the nation.Read more
Outstanding lawyer and trusted advisor. David is one of the best litigators in the nation.Read less
Stephen is a exceptional labor & employment attorney. Whenever I have an issue or a question that I don't know how to address, I email or call Stephe...Read more
Stephen is a exceptional labor & employment attorney. Whenever I have an issue or a question that I don't know how to address, I email or call Stephen and he is incredibly responsive. He either knows the way a situation needs to be handled, or he will research and find out. He always leaves me with the necessary tools in order for me to effectively fulfill my job including either documents or notes on how to lead a difficult discussion with an employee. I highly recommend Stephen!Read less
Dan was extremely knowledgeable in preparing a Reg D offering. Additionally he was very responsive and sensitive to the timing of preparing the offer...Read more
Dan was extremely knowledgeable in preparing a Reg D offering. Additionally he was very responsive and sensitive to the timing of preparing the offering.Read less
His listening skills need improvement. I had to repeat things several times and he would ask me the same questions over again. He is more of a talker...Read more
His listening skills need improvement. I had to repeat things several times and he would ask me the same questions over again. He is more of a talker which is not a bad thing....just not when it comes to listening to what your clients wants and needs are.Read less
5.0/5.0 on 04/17/09 on 04/17/09
Smart lawyers, valuable research, practical strategic advice, resonable fees, responsive service. A complete solution to a litigation issue.Read more
4.8/5.0 on 10/19/10 on 10/19/10
Husch Blackwell is committed to recruiting, developing, retaining, and promoting talented attorneys and staff. We believe diversity encompasses a variety of characteristics, including race, national origin, religion, gender, sexual orientation, gender identity, age, education, and family and marital status.
Our environment is essential to both the quality of our client service and the personal satisfaction of our lawyers and staff.
Our efforts have been recognized both nationally and locally in promoting diversity. We received a top rating of 100 percent in the Corporate Equality Index, the Human Rights Campaign Foundation, the Equal Justice Award, Legal Services of Eastern Missouri, and named one of the Top 100 Law Firms for Women by MultiCultural Law Magazine.
Minority and female partners hold senior leadership positions in management, which fully supports the wide variety of initiatives coordinated by our firm’s Diversity Committee.
We are actively involved in promoting diversity within the legal profession. Our firm endorsed the diversity commitment and action plans of our local bar associations.
Diversity and inclusiveness make us a stronger firm and better able to understand our clients’ needs. We are committed to pursue, promote and enhance diversity at Husch Blackwell.
Matter Budgeting and Financial Management
Litigation General Best Practices
Litigation eDiscovery Best Practices