Specialized debt finance and fintech counsel.

Commercial Finance and Leveraged Finance

Negotiating and documenting loan, merchant cash advance, factoring and revenue-based financing arrangements and related intercreditor, collateral and third-party documents.

We have extensive experience preparing template transaction documents for volume origination programs, as well as representing clients in connection with complex bilateral or multilateral transactions with lenders, financing customers and third-party creditors.

Structured Credit and Lender Finance

Structuring and closing warehouse lines of credit, forward-flow purchase programs and servicing arrangements, including backup servicing.

We bring deep expertise working with credit funds, specialty finance companies and fintech companies to design and implement first facilities or restructure existing programs.

Bank Partnerships and Fintech Programs

Standing up and operationalizing sponsor bank partnership programs for loan origination or card issuing.

We support fintechs and banks in connection with sponsor program agreements, originate-to-sell structures, true lender and rate exportation, marketing and servicing arrangements, oversight and audit rights, third-party risk management, program transition and wind-down.

Licensing and Compliance

Designing and supporting risk-based licensing and compliance frameworks for credit originators and servicers.

We assist clients with state lending and broker licensing, money transmission, TILA, ECOA and UDAAP compliance, operational compliance program design, disclosure and servicing reviews, state examination readiness, enforcement and inquiry response, diligence for lenders and acquirers.