Corporate Finance and Financing Transactions Attorney | Strategic Debt and Lending Counsel
Corporate financing transactions are the backbone of business growth and investment. From structuring credit facilities to navigating complex debt instruments, every financing deal involves high stakes and intricate terms. Whether you’re a lender, borrower, or investor, having an experienced attorney at your side ensures your transaction is not only compliant but also strategically aligned with your business objectives.
At the Law Office of Jennifer M. Settles, we provide practical, outcome-driven counsel in many areas of corporate finance and lending. With decades of experience negotiating complex debt structures, Jennifer helps clients manage risk, secure capital, and achieve their long-term financial goals.
Comprehensive Financing Transaction Services
Structuring and Negotiating Credit Facilities
Jennifer represents borrowers and lenders in syndicated and bilateral credit facilities, corporate revolvers, and structured lending arrangements. She ensures agreements are clear, enforceable, and tailored to protect your financial interests.
Real Estate and Project Finance
From single-asset loans to multi-site and multi-state developments, Jennifer advises on real estate financing transactions, construction loans, and project finance structures. Her guidance ensures due diligence, compliance, and efficient closings.
Secured and Unsecured Lending
She provides counsel on secured and unsecured loans, including loan security, collateral, lien perfection, and guarantees. clients rely on her to mitigate risks and negotiate and document favorable deals
Structured and Specialized Finance
Jennifer has experience in complex transactions such as CMBS loans, mezzanine financing, equipment leasing, factoring arrangements, and sale of receivables. She structures deals that balance innovation with compliance and enforceability.
SBA and Government-Backed Loans
Small businesses benefit from Jennifer’s knowledge of SBA 7(a) and other government-backed loan programs. She ensures smooth closings and alignment with business strategy.
Amendments, Workouts, and Restructuring
When market conditions or business realities shift, Jennifer helps renegotiate debt terms, manage amendments, release or substitute collateral, and structure loan workouts to preserve value and minimize disruption.
Industries and Clients Served
Jennifer represents a wide spectrum of businesses, investors, and institutions across industries such as:
- Real estate development and construction
- Manufacturing and distribution
- Professional and financial services
- Technology and emerging businesses
- Retail and ecommerce
Her practice spans both borrower and lender representation, making her uniquely qualified to anticipate issues from all sides of the table.
Why Clients Choose Us
- Creative Structuring — Tailored deal structures that align with your business and financial goals.
- Clear Communication — Complex finance concepts explained in straightforward language.
- Risk Mitigation — Careful attention to covenants, carve-outs, indemnities, and collateral rights.
- Efficiency and Strategy — Transactions documented and closed with precision, protecting both short- and long-term interests.
- Dual Focus — Experience representing both borrowers and lenders provides balanced, practical solutions.
Common Corporate Finance Questions
What is the difference between secured and unsecured lending?
Secured loans are backed by collateral such as real estate or equipment, while unsecured loans rely solely on creditworthiness. Jennifer helps clients evaluate risk and negotiate favorable terms in both scenarios.
Why are covenants and representations important?
These provisions dictate financial and operational requirements during the life of the loan. Poorly drafted terms can restrict flexibility or trigger default. Jennifer ensures agreements are balanced and manageable.
What happens if a loan needs to be restructured?
Amendments, workouts, and restructuring can preserve relationships and value when circumstances change. Jennifer guides clients through collateral releases, amended covenants, and renegotiated repayment schedules.
Can an attorney add value beyond what bankers provide?
Yes. Bankers facilitate deals, but attorneys ensure enforceability, negotiate liability protections, and safeguard against unintended consequences that could cost far more than legal fees.
Secure Your Financing with Experienced Counsel
Whether you’re raising capital, structuring a credit facility, or navigating a complex loan transaction, you need a trusted advisor to protect your interests.
Call Now or Request a free consultation today and gain the confidence that your financing deal is designed for both compliance and success.