Lending

For community banks, regional banks, SBA lenders, Small Business Lending Companies (SBLCs), Certified Development Companies (CDCs), and private commercial lenders. 

How do we help lenders get loans to closing smoothly, accurately and efficiently? 

FH represents community banks, regional banks, SBA lenders, small business lending companies (SBLCs), certified development companies (CDCs), and private and investor lenders as lender’s counsel. From SBA loans and commercial financings to loans with multiple forms of collateral, we prepare and review documentation that carries out the lender’s credit decision with accuracy and attention to detail and gets the loan to a clean closing. 

Ready for your type of loan.

We prepare and negotiate loan documentation for: 

• SBA 7(a) and 504 loans: closing packages, borrower entity review and CDC coordination on 504s 
• Commercial loans: lines of credit, term loans and secured business financing  
• Commercial real estate loans: property acquisition, refinance and construction 
• Private and hard-money loans: short-term and investor-funded financing 
• Loan modifications, forbearances and workouts: adjusting terms when a borrower’s situation changes 
• Oil and gas mortgages and opinion letters: mortgages, deeds of trust and the opinion letters lenders rely on 
• Title company representation 

We know your business, your preferences, and your costs.

Every lender handles loans its own way. Whether it’s an SBA 7(a) or 504 loan, a commercial loan or a private or hard-money financing, we learn how you operate: your expectations, your closing procedures, and your preferences. That lets us anticipate your requirements, keep expectations clear, and move the loan from commitment to funding without avoidable delays. The result is a document set built around the loan and your established practices, not a generic package. 

We navigate changing regulations, rules and requirements.

Lending operates within a fast-evolving framework of local, state, and federal regulations. On SBA loans and regulated credit facilities, we actively track changes to regulations, Standard Operating Procedures (SOPs), and enforcement trends—ensuring your closing package reflects the exact rules in effect on the day of funding.

Details Matter.

We do more than draft documents. We check whether the loan has been documented in a way that fully carries out the lender’s credit decision and protects its collateral. 

• Credit memorandum alignment: We compare the loan documents against your credit memorandum, approvals and conditions, which cuts down on avoidable comments and last-minute revisions. 
• Pre-funding diligence: We review title commitments, surveys, borrower and guarantor organizational documents and lien searches to find non-obvious issues before closing, such as a recorded restriction that would block the borrower’s intended use of a property. 
• Current SBA rules: We track changes to SBA regulations and standard operating procedures and how they’re being enforced, so your documents reflect the rules in effect when the loan closes. 

“Good lending counsel should make a transaction easier, not add another layer of complexity. We know what matters to lenders, where problems tend to hide, and when a detail deserves a closer look. Our job is to help our clients move forward with confidence.”