Finance Transactions

The lawyers in Robinson+Cole's Finance Group represent lenders and borrowers in a variety of highly sophisticated secured and unsecured financing transactions, including transactions secured by, or based on, all manner of real estate and personal property. We work with banks and their special finance and merchant banking affiliates, as well as with insurance companies, venture and opportunity funds, financial subsidiaries of major industrial corporations and other financial intermediaries. Our Finance Group works with clients in a broad range of industries such as health care, waste management, retail, broadcast and cable television, affordable housing, cellular telephone and radio, real estate development, timeshare finance, energy, sovereign tribal nations, employee benefit plans, electric, gas and water utilities, municipal finance and financial services. We are familiar with the particular financing needs of these industries as well as with specialized collateral such as securities, real estate, vessels and aircraft.

Our lawyers have extensive experience representing banks, insurance companies, private equity funds, and other financial services providers in connection with the following types of transactions:

  • secured and unsecured revolving credit, line of credit and term loan single and multiple lender credit facilities, including facilities with multirate and/or multicurrency options, letter of credit options, interest rate swaps, caps and collars and currency swaps
  • secured and unsecured general corporate loans and structured asset-based financings, municipal finance, and project finance
  • conventional loans, construction loans, tax-exempt bond financings, credit enhancements, and low-income housing tax credit financings utilizing federal, state, and local subsidy and incentive programs
  • structuring complex mezzanine financing
  • private placement of debt, equity, and convertible securities
  • leveraged acquisition financings and bridge loans
  • restructurings and workouts
  • multitiered subordinated debt financings
  • precious metal consignments and precious metal inventory financing

Lawyers in our Finance Group are able to apply a broad base of experience in corporate finance and institutional lending to each transaction. We collaborate closely with other lawyers in the firm to provide full-service solutions for acquisition financings or financings involving securities (federal and state), environmental, ERISA, tax, intellectual property and/or real estate issues. Our group also works closely with our business workouts, bankruptcy, and creditors' rights practitioners to advise our clients regarding enforcement mechanisms, collateral realization, and structuring transactions to minimize insolvency risks.

    • Experience
      • Represented lenders in connection with credit facilities extended to Indian tribal nations involving a variety of sovereign immunity and related issues.
      • Represented lenders in a variety of transactions involving financial assistance or guarantees from the Connecticut Development Authority and/or the Connecticut Department of Economic Development.
      • Represented lenders providing pre- and post-export financing under loan guaranty and export insurance programs offered by the Export-Import Bank of the United States.
      • Represented lender in construction to mini-permanent loan of corporate offices and distribution center involving United States Department of Agriculture loan guaranty.
      • Represented lender in low-income housing tax credit transaction with multiple funding sources and represented same lender in acquisition of the tax credits.
      • Represented lender in leasehold mortgage construction to permanent loan for large apartment complex in velocity zone.
      • Represented a large North American producer of specialty value-added paperboard products in U.S. and Canadian public offerings and private placements.
      • Represented Indian tribal nation as special counsel and bond counsel in connection with structuring, negotiating, documenting, and consummating an ongoing series of debt financings, involving a variety of sovereign immunity and related issues, including a $350 million bank facility, a $225 million tax-exempt commercial paper program, a $75 million senior note issue, and over $900 million in special revenue bonds.
      • Represented lender in a series of secured credit facilities involving revolving loans, term loans and mortgage loans as well as related interest rate protection arrangements to an integrated group of affiliate corporations operating nationwide.
      • Represented borrower in conduit loan transaction secured by multiparcel apartment complexes.
      • Represented multiple borrower parties in acquisition of and conduit financing for shopping center.
      • Represented a lender in a series of secured credit facilities involving revolving loans, term loans and mortgage loans, as well as related interest rate protection arrangements, to an integrated group of affiliate corporations operating retail furniture outlets in Massachusetts, New Hampshire and Connecticut.
      • Represented agent and lenders in a $65 million syndicated credit facility to an operator of 22 health care facilities located in Connecticut, Rhode Island and Massachusetts.
      • Represented lenders in a variety of transactions involving letters of credit or other credit enhancements in support of the issuance of tax exempt revenue bonds, including revenue bonds issued by the public authority issuing bonds to tax exempt borrowers.
      • Represented administrative agent and syndicate of lenders in connection with $200 million revolving and term-loan facility to fund a "going private" transaction, a dissenting shareholder reserve and working capital needs, secured by real property located throughout the United States and a blanket lien on all other assets.
      • Represented three separate lenders in the financing of the acquisition by five separate buyers’ groups of the Connecticut operations of a NYSE listed waste hauling and management corporation. The transaction required the simultaneous closing of five separate loan facilities to five independent and unrelated groups of buyers in order to fund the acquisition transaction which closed on a parallel course.
      • Drafted new insurance reinvestment fund tax legislation in Connecticut and represented a group of venture capital partnerships in establishing an insurance reinvestment fund approved by the Connecticut Department of Economic and Community Development to channel investments by insurance companies into start-up or emerging businesses in Connecticut. These types of funds exist in some other states and are commonly referred to as Capco Funds.
      • Representation of U.S. subsidiary concerning its accession to its parent corporation’s restructured global credit facilities.
      • Represented lender in construction loan of assisted living, congregant care and condominiums on former estate in premier Boston suburban location.
      • Represented lender in $1.25 million multibank syndicated financing with major U.S. insurance company.
      • Represented lenders in a variety of transactions lending to sports franchises, including the New England Patriots, the Hartford Whalers and the Hartford Hellcats.
      • Represented lender in a multimillion dollar financing of a major restaurant franchise syndicate.
      • Represented an institutional lender providing a $22,000,000 construction loan to an affiliated group of borrowers to fund the construction costs associated with the design, procurement, and installation of 26MW commercial rooftop solar array projects for two Fortune 50 companies to be located on 60 commercial buildings in four states and secured by all assets of the borrowers, including their respective rights under all contracts with equipment procurement contractors (EPCs), power purchase agreements, renewable energy certificates, agreements relating to federal investment tax credits, interconnection agreements and maintenance agreements. The contemplated refinancing of this transaction involved the placement of permanent senior loan financing from an institutional lender, a tax credit equity investment (in the form of a "partnership flip" which involved the creation of special purpose entities) from an institutional investor and the associated intercreditor, interparty and other third party issues related thereto.

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        Finance Partner’s Article on SAFE Act and Truth in Lending Act Published in Hartford Courant

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        CFPB Issues Bulletin on Application of Compensation Rules to "Qualified Plans" - Payments to Qualified Plans Permitted

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        Finance Partner Moderates at Connecticut Mortgage Bankers Association Legislative Update Seminar

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        Bankers Want Feds to Lay Off is the Message at Connecticut Mortgage Bankers Association Forum

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        Finance Attorneys Discuss Dodd–Frank and SAFE Acts at Affordable Housing Conference

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        Robinson & Cole Elects New Partners

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        Attorneys Reelected to Connecticut Chapter Board

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        Program Examines Impact of the Dodd Frank Act on Non-financial Businesses

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        Norman H. Roos and James R. Kinyon Present on Mortgage Lending Laws

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        Robinson & Cole Attorneys Address Legislative Developments Before the Connecticut Mortgage Bankers Association

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