Overview
Financing transactions typically fulfill the need for leveraged buyouts, working capital, expansion, acquisitions or the refinancing of existing financial relationships. Proper counseling in such matters requires a detailed understanding of the vast array of state and federal banking and lending laws, as well as the ability to understand and seamlessly negotiate and conduct transactions with bankers, financiers, venture capitalists and business owners.

Our Services
For our business clients we regularly engage in the structuring, negotiation and closing of various financing transactions. As part of our banking and finance practice, we assist banks, companies that establish employee stock ownership plans ("ESOPs"), finance companies, savings institutions, venture capital investors, investment bankers and others on a range of financial activities. Characteristic Firm work includes the purchase and sale of consumer loan portfolios, real estate acquisition, development, and construction lending, ESOP financing (bank financing, seller financing and floating rate note acquisition financing), stock and asset acquisitions; asset-based financing; general corporate finance; project finance; leveraged buyout ("LBO") financing and general corporate loan facilities; and asset securitization.

Johanson Berenson LLP represents numerous national bank and financial institutions in a wide variety of transactional, regulatory, legislative and litigation proceedings. Johanson Berenson LLP has the full expertise and capability to handle virtually any transaction for financial institution clients.

Our representative services involve the production of documents for single and multiple transactions, negotiation with all parties and advising clients regarding overall finance strategies, all aspects of credit enhancement and security, ESOP financing, letters of credit, guaranties, swap agreements, mortgages, pledges of securities, convertible debentures, warrants, participating interests, servicing options and requirements, and a variety of ever-changing financial instruments.

The Firm recently completed representation of:

• A Fortune 500 bank in expanding its consumer finance business and instituting specific quality control procedures on its originations.
• One of the nation's leading sales finance institutions in obtaining a $75 million securitization funding facility.
• A closely-held aluminum extrusion corporation in obtaining the term loan ESOP financing necessary to support the tax-deferred cash-out of minority stockholders and substantial liquidity for the founding, controlling stockholders.
• Numerous local and national mortgage lenders regarding issues of quality control, licensing and expansion opportunities.
• A national mortgage lender and its stockholders in resolving disputes with the Department of Housing and Urban Development ("HUD").
• One of the nation's leading financial institutions in revising and upgrading its consumer finance operations.
• Various sales finance companies regarding issues of retail installment licensing, quality control, contractor relationships and portfolio sale and acquisitions.
• A national mortgage institution in a wide variety of real estate and real estate financing matters.
• Closely-held clients in instituting nationwide revolving credit programs.
• The manufacturer of various steel and plastics products in obtaining in excess of $30 million of bank financing for a leveraged ESOP buy-out, an acquisition line of credit and a working capital line of credit.
• Private clients in structuring and implementing captive finance companies to provide internal financing opportunities.
• A leading national bank in structuring and closing an asset-based commercial loan transaction involving the refinancing of an ESOP.
• An ESOP trust in obtaining substantial seller financing to purchase a controlling interest block of equity of a distributor of footware.