Financial Services
EM³ advises financial institutions, fintech companies, and market participants on both regulatory and transactional matters as the rules that govern them grow more complex.
Overview
EM³'s Financial Services practice represents lenders and borrowers in a wide variety of commercial financial transactions, assisting with traditional bank loans and revolving credit facilities, as well as with highly complex structured finance transactions and customized capital solutions.
As lenders' counsel, the Firm represents financial institutions, fintech companies, private credit lenders, and other participants in the financial services sector.
As counsel to borrowers, the Firm represents corporations, LLCs, partnerships, family offices, and high net worth individuals in traditional credit facilities, including asset-based loans, acquisition financing, project financing, and leasing (including leveraged leasing), as well as a variety of other structures.
Regulatory Counsel
The Firm advises clients on rapidly changing regulations across multiple jurisdictions. Regulatory capabilities include traditional banking, securities, and insurance regulation.
Transaction Experience
Our Financial Services practice regularly represents clients in a wide range of transactions, including senior and subordinated debt, revolving credit facilities, term loans, asset-based lending, acquisition funding, workout loans, specialty financing structures, capital transactions, leveraged leasing, and leveraged mergers and acquisitions. Both domestic and cross-border transactions involving sophisticated regulatory considerations are well within the Firm's experience.
Industry Knowledge
The Firm combines regulatory experience with practical business understanding of the financial services industry and its participants. The Firm stays current on emerging trends, regulatory developments, and market innovations, so it can provide clients with forward-looking counsel that anticipates future challenges and prepares them for opportunities.
Workout and Restructuring
When lending relationships become distressed, the Firm provides counsel on workout strategies, forbearance agreements, DIP financing, and restructuring alternatives that protect clients' interests while maintaining, where appropriate, ongoing business relationships.
Focused Advisory Areas
- Commercial lending and credit facilities, including acquisition financing
- Regulatory compliance and licensing
- Structured finance and securitization
- Fintech and digital assets
- Workout and restructuring
- Leasing (including leveraged leasing)
