Guiding Oklahoma Businesses Through Lending, Credit, and Financial Growth

Securing and managing business financing is a critical part of growth for any company. Whether you’re launching a startup, expanding operations, purchasing equipment, or refinancing existing debt, every commercial finance transaction involves complex contracts and high stakes. At Calvert Law Firm, our attorneys offer the experience, insight, and negotiation power you need to access capital, protect your business, and achieve your financial objectives.

Comprehensive Commercial Finance Services

We represent borrowers and lenders in all areas of commercial finance, including:

• Business Loans and Credit Facilities: Negotiation and documentation of secured and unsecured loans, lines of credit, revolving credit facilities, and term loans.
• Real Estate Finance: Acquisition, construction, bridge, and permanent loans for commercial property, including office, retail, industrial, and multifamily projects.
• Asset-Based Lending: Financing secured by inventory, equipment, receivables, or other business assets.
• SBA and Government-Backed Loans: Guidance through Small Business Administration and other government loan programs.
• Equipment Financing: Structuring leases, purchase agreements, and vendor financing arrangements for vehicles, machinery, and technology.
• Refinancing and Debt Restructuring: Advising on refinancing options, loan workouts, and managing distressed debt.
• Private Equity and Venture Capital: Supporting clients through investment rounds, convertible notes, and equity funding.
• Intercreditor and Subordination Agreements: Managing the rights and priorities of multiple lenders or creditors.
• Enforcement and Workouts: Negotiating forbearance, settlement, or litigation in case of default or financial distress.

Stages of a Commercial Finance Transaction

1. Needs Assessment and Strategy: We start by understanding your business goals, funding needs, and risk tolerance—so we can recommend the best financing options.
2. Term Sheet and Preliminary Negotiations: We help you negotiate favorable terms with banks, private lenders, or investors—focusing on rates, covenants, collateral, and repayment structures.
3. Due Diligence: Our team reviews financial statements, business plans, and collateral documentation to anticipate potential issues and address lender concerns.
4. Document Drafting and Review: We draft, review, and negotiate all agreements—loan contracts, security agreements, guarantees, promissory notes, and ancillary documents.
5. Closing and Funding: We coordinate the final documentation, filings, and fund transfers to ensure your deal closes smoothly.
6. Ongoing Compliance: After funding, we help you stay compliant with loan covenants, reporting requirements, and any post-closing obligations.
7. Dispute Resolution: If issues arise—such as defaults, covenant violations, or lender disputes—we advocate for you in negotiation, workouts, or court.

Key Issues in Commercial Finance for Oklahoma Businesses

• Personal Guarantees: We negotiate and, where possible, limit your personal exposure for business debt.
• Collateral and Security Interests: Protecting your assets while satisfying lender requirements.
• Loan Covenants: Understanding and complying with financial, operational, and reporting obligations in loan agreements.
• Default and Remedies: Knowing your rights and risks if payments or covenants can’t be met.
• Prepayment Penalties: Negotiating favorable terms to avoid unexpected costs.
• Interest Rate and Fee Structures: Ensuring all terms are transparent and competitive.
• Lender Liability and Bad Faith: Protecting borrowers from unfair practices or misrepresentations by lenders.

Real-World Scenarios

• Startup Expansion: We guided a growing tech company through a multimillion-dollar credit facility, negotiating competitive terms and flexible repayment options.
• Real Estate Acquisition: Our attorneys helped an investor secure financing for a large commercial development, coordinating with lenders, title companies, and contractors.
• Debt Restructuring: When an Oklahoma manufacturer faced pandemic-driven losses, we helped restructure their loans, negotiated forbearance, and kept the company in business.
• Equipment Purchase: We advised a trucking business on financing and securing new vehicles, ensuring clear contracts and manageable obligations.

Why Choose Calvert Law Firm for Commercial Finance?

• Deep Banking and Lending Knowledge: Our attorneys understand how lenders think and structure deals to protect your interests.
• Creative Solutions: We find ways to structure financing that fit your growth plans and cash flow.
• Diligent Review: Our team uncovers hidden traps or risks in complex financial documents.
• Personal Service: You have direct access to your attorney throughout the process for timely, practical answers.
• Flexible Billing: We offer hourly, flat-fee, or project-based arrangements for transactions of all sizes.

Frequently Asked Questions

Do I need a lawyer for a business loan?
Yes. Lenders use sophisticated contracts to protect themselves. Having your own counsel ensures the terms are fair and you understand your risks.

Can you help if my lender is threatening default?
Absolutely. We negotiate with lenders, pursue workouts, and, if necessary, defend your business in court.

Do you represent both borrowers and lenders?
Yes. Our experience on both sides of the table gives us valuable perspective in negotiations.

What happens if I can’t make a payment?
Contact us immediately—early action can often avoid litigation or foreclosure.

Do you help with SBA loans?
Yes. We guide clients through all types of government-backed loan programs.

Contact Calvert Law Firm Today

Don’t risk your business’s future on poorly drafted or misunderstood financing deals. Contact Calvert Law Firm for a confidential consultation. Our commercial finance attorneys will help you access capital, protect your business, and achieve your goals with confidence.