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Banking & Commercial Finance

Ulmer & Berne’s lending and finance practice regularly represents national and local banks, finance companies, insurance companies and other financial institutions, as well as borrowers, in connection with all types and sizes of financings. Our attorneys have extensive knowledge and experience in commercial lending matters, including:

  • Revolving, term, and other commercial lending facilities
  • Secured lending transactions
  • Asset-based lending transactions
  • Syndicated lending and participations
  • Acquisition financing
  • Interest rate swaps and other hedging techniques and derivative transactions
  • Real estate, acquisition, development, and construction financing
  • Commercial leasing and equipment financing
  • Domestic and international letter of credit financing
  • Loan maintenance, refinancing, and restructuring
  • Tax-exempt bond financing
  • Floor-plan financing, aircraft and vessel financing
  • Mezzanine financing
  • DIP financing
  • Recapitalizations

Financing transactions often require experience in other areas of law. The attorneys in our banking and commercial finance practice work closely with the members of the firm’s other practice areas to address issues involving corporate law, taxes, bankruptcy and creditors’ rights, environmental law, intellectual property law, securities law, labor law, and employee benefits. With the assistance of these other skilled lawyers, our lending and finance attorneys are able to structure financing arrangements and advise clients in a way that minimizes our clients’ risk throughout the lending relationship.

With the recent failures of Silicon Valley Bank on March 10, 2023, and Signature Bank on March 12, 2023, clients are asking whether their bank deposits are protected by Federal Deposit Insurance Corporation (FDIC) insurance. This client alert summarizes the standard FDIC insurance for individuals, trusts, and businesses, because each...

March 15, 2023 – On Sunday evening, March 12, 2023, two extraordinary joint press releases were simultaneously issued by the U.S. Department of Treasury, the Federal Reserve Bank, and the Federal Deposit Insurance Corporation (FDIC). The press releases were distributed simultaneously with the FDIC announcement of the seizure and closure...

March 13, 2023 – Among America’s largest banks and formerly well-regarded by analysts, investors, and venture-backed companies alike, the sudden failure of Silicon Valley Bank (SVB) last week sent shockwaves through the venture capital and banking industries. Though not a household name, SVB held over $209 billion in total assets...

February 10, 2023 – Ulmer & Berne LLP is pleased to announce the addition of Nathan L. Wiedemann to the firm’s growing New York office as Counsel. Wiedemann focuses his practice on banking and commercial finance matters. “We are thrilled to welcome Nathan to our New York office, as we...

February 2, 2021 – Ulmer & Berne LLP is pleased to share that Alan W. Scheufler, Partner and Co-Group Leader of the firm’s Banking & Commercial Finance Practice Group, has been named to the Midwest Real Estate News Hall of Fame, which recognizes the most important players from all facets...

January 26, 2021 – On December 27, 2020, the Economic Aid to Hard-Hit Small Businesses, Nonprofits and Venues Act (the “Economic Aid Act”) became law. The economy continues to struggle from the effects of the coronavirus pandemic. This new law provides additional support to many small businesses. So far in...

June 9, 2020 – Late last week Congress approved and the President signed the Paycheck Protection Program Flexibility Act of 2020 (“Flexibility Act”). This new bill attempts to address some of the more troubling requirements when applying the Paycheck Protection Program (“PPP”) to actual business situations. PPP was created by...

May 19, 2020 – Desperately needed by Paycheck Protection Program (PPP) loan borrowers, on May 15, 2020, the U.S. Treasury Department (Treasury) finally issued the PPP Loan Forgiveness Application (“Form”) and instructions (“Instructions”). Click here for the combined Form and Instructions. While the Form and Instructions answer some of the numerous...

UPDATED May 14, 2020 – On May 13, 2020, the U.S. Treasury Department announced an additional automatic extension of the Safe Harbor deadline from May 14, 2020 to May 18, 2020. May 13, 2020 – The rules and ground shifted yet again today when FAQ 46 was issued at the eleventh hour. Everyone,...

UPDATED May 14, 2020 – On May 13, 2020, the U.S. Treasury Department announced an additional automatic extension of the Safe Harbor deadline from May 14, 2020 to May 18, 2020.  UPDATED May 6, 2020 – On May 5, 2020, the U.S. Treasury Department announced a one-week automatic extension of the Safe...

UPDATED May 14, 2020 – Due to demand, effective May 4, 2020, the Small Business Administration (SBA) announced that the EIDL loans described below are limited to $150,000, and they will only accept applications from agricultural businesses due to funding limitations for the EIDL program. Also due to demand, the...

UPDATED March 31, 2020 – The Coronavirus Aid, Relief, and Economic Security (CARES) Act was just passed by Congress and signed by the president on March 27, 2020. It provides $2 trillion in much-needed emergency relief to businesses of all sizes impacted by COVID-19. Depending on the size of your...

SBA COVID-19 Economic Injury Disaster Loans – Overview March 25, 2020 – Our state and federal governments are responding in many ways to help American businesses address the unique financial challenges caused by the current nationwide medical emergency. The emergency loan program described below is only for businesses: 1) that qualify size-wise...

From Ulmer’s Real Estate Advisor Law Blog By Kristin W. Boose On March 20, 2020, the CRE Finance Council hosted a great conference call entitled, “The Impact of COVID-19 on the Commercial and Multifamily Real Estate Property & Finance Markets.” Like many of us in the commercial real estate world,...

Ulmer & Berne LLP is pleased to announce the election of three partners to the firm, effective January 1, 2020. This class of new partners includes attorneys with backgrounds in diverse legal disciplines and who reflect Ulmer’s commitment to providing sophisticated advice and counsel. “We are happy to welcome Kristin,...

Ulmer & Berne LLP is pleased to announce that 11 of the firm’s attorneys have been recognized by Cincy Magazine as Cincy Leading Lawyers. Attorneys selected as Cincy Leading Lawyers are considered to be the best in the Tristate area. Members of Greater Cincinnati’s legal community nominate their colleagues each...

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