Commercial Finance

The ever-evolving financial services sector, heavily impacted by new regulations, myriad market forces and unrelenting competition requires comprehensive legal services that effectively anticipate industry change and proactively deliver bottom-line results. Ulmer & Berne’s Commercial Finance Industry Group provides broad, holistic counsel to an array of financial services industry participants, including banks, mezzanine lenders, hedge funds, non-traditional lenders and other public and private lending sources.

One of the most highly respected commercial finance practices in the Midwest, and active nationwide, we bring decades of transactional experience to bear in assisting clients with finance activities of all kinds, from secured lending transactions to acquisition financing, real estate financings to tax-exempt bond financings. We are known for our depth of practice, good business sense, practical judgment, and ability to successfully close transactions.

Our clients range from national banking institutions to credit unions; from investment companies to mortgage brokers. Regardless of the industry segment, our comprehensive services include:

  • Acquisition financing
  • Asset-based lending
  • Automotive floorplan finance
  • Cash-flow lending
  • Commercial lending facilities
  • Debtor-in-possession financing
  • Domestic and international letter of credit financing
  • Equipment leasing
  • ISDA interest rate swaps
  • Mezzanine and second lien financing
  • Private equity financing
  • Commercial real estate financing
  • Recapitalization financing
  • Sponsor Finance
  • Syndications, club deals and participations
  • Taxable and tax-exempt bonds
  • Tax Credit Financing (Historic and New Market Tax Credits)
  • Tax Increment Financing
  • Workouts

Our industry group draws upon the full spectrum of the firm’s resources and involves every practice area of the firm. For example, our interdisciplinary team offers a deep knowledge of privacy, ERISA, tax, labor and environmental laws to provide the fullest understanding of our clients’ legal risks and business opportunities. The firm’s deep bench strength enables our commercial finance attorneys to advise and structure financing arrangements in a way that minimizes our clients’ risk throughout the lending relationship.

In addition to representing finance providers, our attorneys also have extensive experience representing borrowers involving syndications, club and single bank loans to borrowers across virtually all industries, including acquisition loans involving private equity sponsors and strategic buyers, capital call lines provided to funds, term and revolving facilities for general business operations, recapitalizations and management buyouts. And our real estate borrowers and developers are involved with everything from acquisition and/or construction of office buildings, power centers, large residential developments and innovative repurposing of iconic buildings throughout the Midwest.

Representative Experience