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WE'VE MOVED! FH&P HAS RELOCATED TO LANDMARK 4 (400 – 1628 DICKSON AVE).

Legal Services / Commercial Securities

Banking &
secured lending

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Working for national &
provincial lenders

Our team has extensive experience dealing with all aspects of Banking and Secured Lending.

We work for national and provincial lenders to document and secure their loans. We have undergone the rigorous scrutiny required by some of the national banks in order to be authorized service providers for them. Our experience encompasses all types of security including commercial mortgages, personal property security agreements, guarantees, environmental indemnities, debt service agreements, assignment of project agreements, assignment of life insurance, assignments and postponements, and share pledge agreements. Regularly, we work with other lenders regarding Priority and Standstill Agreements. We are intimately familiar with registrations in the Land Title and Personal Property Registry.

Our Firm has successfully secured thousands of commercial loans, including more complex situations such as:

  • Pari Passu Agreements
  • Syndicated Loan Agreements
  • Bare Trust Agreements
  • Motor Vehicle Fleets
  • Aircraft

We also act for private lenders, in documenting and securing their loans.

In conjunction with our other departments, we document and secure loans in the context of business purchases and sales, including vendor take back loans, business and construction settlements, and family break-ups.

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What is considered a commercial loan?

A commercial loan is a debt-based funding arrangement between a business and a financial institution such as a bank. It is typically used to fund major capital expenditures and/or cover operational costs that the company may otherwise be unable to afford.

What is the difference between a business and a commercial loan?

Commercial business loans are used as working capital, to buy real estate in connection with the business or to purchase inventory and equipment. Term loans are typically used to establish a business, purchase real estate and purchase inventory and equipment.

Commercial Securities Lawyers

Doug Flannigan
Partner
Clay Williams
Partner
Dylan Switzer
Partner
Nancy Ling
Partner
Brian Coen
Associate
Pius Omene
Associate

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