Commercial Lending

Cox Castle represents a variety of traditional and nontraditional lenders, including national, super-regional and regional banks, insurance companies, private equity, debt funds and pension funds, in the financing of real property, receivables and other assets. Our all-encompassing finance capabilities include the initial structuring, documentation and origination of finance transactions; due diligence review; loan administration; and loan restructures, workouts and enforcement. We work with our clients to anticipate potential challenges and risks and to devise practical solutions to address their specific needs.

We advise lenders across all levels of the capital stack in acquisition, development, construction, mezzanine, bridge and permanent loan transactions. Our dedicated group of attorneys routinely represents real estate secured lenders, mezzanine lenders, agricultural lenders and personal asset-based lenders. In addition, we represent administrative agents, participants and syndicate lenders in both borrower-lender relationships and intercreditor relationships.

The breadth of our financing engagements is not limited by property type, asset class or geographic areas. Our representation covers fee, leasehold, mezzanine and ground lease financings of residential, hotel/resort, industrial, commercial, agricultural and retail projects, including: shopping centers, office buildings, hotels, multifamily, student housing, congregate care and senior facilities, condominiums, hospitals and medical office buildings, planned unit developments, vacation ownership and a mixture of uses. We handle transactions in all fifty states in the United States and in single property transactions or multi-state portfolio loans.

Loan Workouts & Financial Restructuring

Cox Castle has developed a vigorous practice advising lenders, investors, administrative agents and buyers of distressed debt and properties on all aspects of workouts, loan restructures, foreclosures and enforcement, including bankruptcy planning considerations. We utilize a practical and business-oriented approach, focusing on strategic analysis of the interests of relevant stakeholders and obligors, sensitizing our clients to relevant legal issues and tailoring legal responses that conform to our clients’ practical and business considerations.

We also represent both borrowers and lenders in loan modifications, workouts, note splits, note purchases, discounted payoffs, foreclosures and deeds-in-lieu of foreclosure. Negotiating with or on behalf of borrowers, lenders, note holders and administrative agents, we work with our clients to preserve the value of distressed assets and protect their investment.

Structured Finance & Securitized Loans

Cox Castle is actively involved in all facets of capital market transactions, including loan originations, loan servicing, asset management and workouts and restructures. Building on our deep understanding of capital markets, we assist our clients in planning, securing and utilizing debt for a variety of real estate projects.