Financial Institutions
Lending & Financing
The business attorneys at Penwell law represent lenders in a wide range of commercial lending and other financing transactions. Specifically, we have advised clients in varying forms of secured and unsecured financing and refinancing transactions, including asset-based loans, real estate loans, construction loans, revolving lines of credit, accounts receivable financing under the U.S. Department of Housing and Urban Development (HUD) insured funding program and private debt placements.
Beyond our broad lending experience, Penwell Law attorneys provide general counsel services to federally-chartered and state-chartered financial institutions, including advice on matters relating to corporate governance, strategic planning, executive compensation, federal and state banking regulatory compliance, and federal and state securities law compliance. We also have assisted clients in the formation of de novo banks, expansion through branching, the formation and operation of OREO and insurance agency subsidiaries, and trust department fiduciary compliance.
Financial Institutions & Securities
Our business attorneys have counseled financial institutions in capital raising transactions, including private placements of subordinated debt and common and preferred equity. In that regard, we assist clients with:
- strategic planning advice
- due diligence
- negotiation of placement agency agreements
- drafting of offering documents
- state and federal securities law compliance
We also have represented financial institutions in public offerings of their securities.
Our banking experience does not stop there, as the attorneys at Penwell Law have represented financial institutions (both buy- and sell-side) in various merger and acquisition transactions. We have assisted clients in the negotiation of terms, due diligence, drafting of the definitive agreement and compliance with federal and state banking regulatory and securities laws.
Through all of the above, we have developed working relationships with regulators at both the state and federal level, including the Pennsylvania Department of Banking and Securities, the Federal Reserve Bank of Philadelphia, the Federal Deposit Insurance Corporation (FDIC), and the Officer of the Comptroller of the Currency (OCC).
Contact the Penwell Law Team!
We’re here to walk you through all the options for buying, selling or growing a business. No transaction is too big or too small. We routinely handle transactions in excess of $10 million, but we’ve also assisted clients with $5,000 acquisitions. For us, it’s not about the deal size. It’s about helping our clients achieve their goals. Contact us today for a no-cost consultation. [You can also book a no-cost consultation directly with any member of our team here:
