Lending & Commercial Finance

Spencer Harmon, Kathi Allen, Jamie Cox and Jeff Woodward

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Stites & Harbison has extensive lending and commercial finance experience. Over the past 30 years, the firm has represented every major commercial bank in Kentucky and middle Tennessee, many Georgia-based and other money-center and regional banks, and a number of insurance companies. Our attorneys have handled all kinds of financing transactions, ranging from small-ticket lease programs and small business loans to sophisticated, complex structured financing transactions such as syndicated credit facilities, synthetic lease transactions, securitizations, tax-exempt bond financing, tax increment financing, tax credit financing and other creative financing arrangements.

Our experience also includes leveraged equipment financing, vendor financing programs, project financing, conduit lending, letter of credit facilities, mortgage warehouse lending, leveraged acquisition lending, leveraged employee stock ownership plan loans and a variety of asset-based loan transactions with collateral ranging from traditional accounts receivable and inventory to more specialized property like equine bloodstock, hospital and nursing home assets, music portfolios, mobile kitchens, fleets of mobile offices, aircraft, barges, rolling stock, securities and investment property, agricultural installations, telecommunications networks, all kinds of capital manufacturing equipment and titled motor vehicles.