Banking, Finance & Lending Law

The Law Offices of Kirk Halpin & Associates, P.A. represents lenders and borrowers in the Maryland areas, including Howard County, Baltimore and Columbia with structuring, negotiating and documenting commercial and real estate financing transactions, such as term loans, SBA loans, refinancing, asset-based lending, security agreements, inter-creditor agreements, project financing, leveraged leases and loan restructures. Our banking, finance and lending law experience spans numerous industries and types of transactions, ranging from complex regional credit arrangements to small business and personal loans in both the real estate and commercial finance industries.

Banking, Finance, and Lending Law Transactions

Whether you are seeking a term loan or SBA loan, facing a commercial property foreclosure or refinancing an existing loan, you need an attorney that understands banking, finance and lending law and how it relates to both commercial real estate law and business and corporate law. Our diverse experience in all aspects of commercial and real estate financing transactions includes:

SBA Loans

From general SBA 7(a) small business loans to real estate and equipment CDC/504 loans, we can help small businesses through the process of securing funding to expanding their operations. Recent examples of SBA loans we have secured for clients include a $125,000 SBA 7(a) loan for a Howard County restaurant and a $990,000 SBA 504 loan for a Baltimore City company constructing new headquarters.

Term & Permanent Financing Loans

Term loans for business use or the purchase of commercial real estate are one of the more flexible methods for securing business lending. Recent client transactions include a $2.5 million permanent loan for a shopping center in Columbia and a $1.3 million term loan for an apartment complex in Baltimore City.

Construction Loans

We have assisted with acquisition and construction loans, as well as letter of credit facilities and leasehold acquisition and construction loans. Recent client transactions include acquisition and construction loans for a Baltimore County shopping center and an Anne Arundel County office building, a $190,000 letter of credit facility for a Carroll County office building and a $33 million leasehold acquisition and construction loan for a Virginia Beach hotel.

Land Development Loans

Recent client transactions for land development loans include a $5.4 million land development loan for an office park in Prince George’s County and a $9 million site development loan for an office park in Baltimore County.

Asset-Based Loans and Equipment Financing

Recent client transactions for asset based loans and equipment financing include a $210,000 line of credit loan to a Howard County company, a $23 million term loan and $15 million revolving loan for a company in Charles County and a $3 million equipment leasing line of credit for a company based in Baltimore County.

Additional banking, finance and lending law transactions include:

• Refinancing
• Acquisition Financing
• Corporate Restructuring
• Debtor-in-Possession Financing
• In-House Document Review
• Loan Documentation
• Loan and Credit Agreements
• Syndicated Loans and Participations
• Revolving Loans
• Letter of Credit Facilities
• Permanent Financing
• Workouts