Legal Support for
Commercial
Real Estate Loans in Florida
Big Loans.
Clear Terms.
Your Vision, Backed by the Right Loan Terms
Financing is often the most complex part of a commercial real estate deal. Whether you’re borrowing to buy, build, or refinance, we help you understand the terms, avoid hidden risks & make sure the financing fits your goals.
We’ve advised clients on deals from $250K to $10M+—helping review loan documents, negotiate terms, and coordinate with lenders to keep closings on schedule.
Who We Help
Commercial buyers using lender or SBA financing
Investors negotiating lender terms
Property owners refinancing or restructuring debt
Business owners signing personal guarantees
Developers securing construction or bridge loans
What We Do
Loan Document Review
We review loan agreements, mortgages, promissory notes, personal guarantees, and closing conditions—flagging terms that could impact you long-term.
Lender Coordination
We work directly with lenders, brokers & title companies to coordinate required documents, resolve pre-closing issues, and keep the timeline on track.
What We Do
Financing Risk & Strategy
We advise on risks like default penalties, prepayment restrictions, balloon payments, or clauses that limit flexibility down the line.
Personal Guarantee Review
We explain your exposure and help negotiate guarantee carve-outs, limitations, or removal options if possible.
Loan Types We Work With
- Traditional commercial mortgages
- SBA 7(a) and 504 loans
- Construction & renovation loans
- Bridge loans & short-term financing
- Private or hard money lending
Common Financing Terms
We Review
- Loan-to-value (LTV) ratios
- Fixed vs. variable interest rates
- Amortization schedules
- Default provisions
- Cross-collateralization clauses
- Assignment or transfer restrictions
Local Experience Matters
We’ve reviewed commercial loan packages for properties in Pinellas, Hillsborough, Pasco & Manatee counties. We know what Florida lenders typically require and what you should push back on.
Financing a Commercial Property
– Frequently Asked Questions
Do I need a lawyer to review my commercial loan documents?
Yes—especially in larger deals. Commercial loan terms often include strict default clauses, hidden costs, and personal guarantees that can impact your business or personal finances.
What should I watch for in a commercial loan agreement?
Watch for prepayment penalties, default definitions, personal liability, acceleration clauses, and limitations on transferring or refinancing. We’ll go through it all with you.
Can you help negotiate with the lender?
Yes. We frequently work with lenders to clarify unclear terms, request changes, or resolve issues that come up before funding. We help keep things collaborative while protecting your interests.
What’s a personal guarantee, and should I sign one?
A personal guarantee makes you personally responsible if your business defaults. It’s common, but risky. We’ll explain your options and whether the terms can be narrowed or capped.
Do you handle SBA loan closings?
We regularly assist borrowers using SBA 504 and 7(a) programs. We review SBA loan docs, coordinate with CDCs and lenders, and help keep the closing process on track.
Can you help with a refinance or loan workout?
Yes. Whether you’re lowering your rate, adjusting terms, or resolving past defaults, we’ll help review the new structure and guide you through the process.
What if I’m buying a property using private financing?
We can review the terms, document the loan agreement, and make sure everything complies with Florida law—even for informal or non-bank lending.
Reach Out Anytime
Still have questions about
financing your next project?
Let’s go over the numbers together before you sign.
