Practice Areas
Navigating the
Practice Areas
Debt Financing
At The Saidi Firm, our practice focuses exclusively on providing borrower-side advice to clients at rates that make sense. The obligations and restrictions imposed by lenders affect almost every facet of a company's business, regardless of the size of loan or how a loan is structured. To grow and succeed, borrowers must first negotiate and then navigate myriad constraints levied on the borrower's business, all while navigating ever-increasing legal costs. We have extensive experience with many types of debt financing structures, including the following:
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1st/2nd Lien Debt Facilities
1st/2nd Lien debt facilities involve two tiers of secured debt, either with the same or different lenders, that allow a borrowing business to incur additional (subordinated) debt that is subject to less restrictive terms than 1st lien debt, but also carries higher interest rates.
ABL/TL (Split Collateral)
Split Collateral structures involve two credit facilities that are secured by complementary sets of collateral, with the asset-based facility typically secured by accounts receivable and inventory, while the term loan facility is secured by the remaining assets.
Acquisition Financings
Acquisition debt financing involves the use of loans from banks, financial institutions or private lenders to finance a portion of the purchase price of an acquisition of a company or business.
Cash Flow & Asset-Based Loans
Cash Flow & Asset Based loans are types of financing that are based on the cash flow or specific assets of the borrowing business and are often used for expansion of working capital, funding acquisitions, or supporting growth initiatives.
Corporate Lines of Credit
Unlike a traditional term loan where the borrower receives a lump sum upfront and repays it over a specified period, a line of credit allows a company to borrow funds as needed, up to a specified limit. The Saidi Firm has extensive experience in negotiating and upsizing corporate lines of credit.
Financial Restructurings
Loan modifications, forbearance agreements and similar types of arrangements modify the terms of debt agreements to provide a borrowing business with temporary relief as it works to improve adverse conditions in the company's business.
Leveraged Loan Financings
Leveraged Loan Financings are often used to finance leveraged buyouts (LBOs), which involve the acquisition of a target company using significant amounts of debt. The debt involved with LBOs often involves high interest at floating rates and fewer financial covenants than traditional loans.
Private Lending
Private lending refers to the process of borrowing money from non-traditional or non-institutional lenders rather than from traditional financial institutions. These relationships are characterized by bespoke loan documents.
Term Loans
Term loans are often used by businesses to finance specific projects, acquisitions, or capital expenditures. Once repaid, the principal balance of the loans cannot be re-borrowed.
