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Financial Institutions

Dean Mead’s Financial Institutions Industry Team has extensive experience in real estate finance and represents financial institutions and borrowers throughout Florida. We routinely structure a variety of commercial lending transactions, including real estate acquisition and development loans, agribusiness loans, and lines of credit to national home builders and other developers. We also have extensive experience in commercial and corporate financing transactions, including accounts receivable and inventory financing, floor plan financing and various other forms of asset based financing.  Members of our Team advise financial institutions, their corporate counsel and borrowers on a daily basis with respect to general lending issues, including those relating to Florida documentary stamp and bankruptcy and creditors’ rights.

Commercial Lending Practice

Dean Mead’s Commercial Lending Team represents financial institutions throughout Florida and the nation. Our Team includes both transactional attorneys and litigators so that we can provide comprehensive service to our banking clients.

Specific Qualifications

Dean Mead is well qualified to represent clients in commercial lending transactions in Florida.  Our core group of bank attorneys are located in Orlando. Greg Lawrence, Stan Gravenmier and Jonathan Wallace spend the vast majority of their time representing lenders on secured loan transactions.  Mr. Lawrence and Mr. Gravenmier each have over 28 years of experience and have handled major loan transactions for almost every significant financial institution operating in Florida.  Mr. Wallace has significant experience representing lenders on large transactions.  There are a number of other qualified lawyers at Dean Mead who have handled significant transactions for lenders including Steve Bozarth, Mason Blake and Laura Young.  Those attorneys are available to provide depth to our core lending attorneys. 

Efficiency and Service

We have established a reputation throughout Florida for providing prompt, cost-effective service to financial institutions.  We have handled numerous and varied loans over the past 25 years so we are never “starting from scratch” on any new loan transaction.  We can provide quality cost effective service because we have several dedicated paralegals each having over 20 years experience in documenting commercial loans.  We are on the “approved list” for almost every major financial institution operating in Central Florida so we understand the requirements of large banks including the requirement to become familiar with each institution’s documents and procedures.  We also understand when and how to interact with corporate counsel within each institution.

Commercial Finance

Asset based lending represents a large portion of our practice and we regularly represent lenders in equipment, receivables and inventory financing including revolving loans, borrowing base facilities and term loans.   We also have extensive experience in agricultural lending transactions in Florida and have a number of experienced attorneys in our agribusiness group to provide support.  We are well versed in preparing documents to secure partnership interests, limited liability company membership interest, corporate stock, deposit accounts, securities accounts and other collateral typically granted as collateral for commercial loans.

General Counseling

Members of our Team advise financial institutions and their corporate counsel on a daily basis with respect to general lending issues, including those relating to Florida documentary stamp and intangible taxes and bankruptcy and creditors’ rights.  We also draw upon the experience of our large group of experienced estate planning lawyers to provide advice to banks concerning assets that are exempt from creditor claims in Florida and in making proper claims in estate proceedings.

Real Estate Finance

Our Team also has extensive experience in real estate finance and regularly represents both financial institutions and borrowers in the negotiation, documentation and closing of loans of all types of real estate. We structure a variety of commercial real estate lending transactions including real estate development loans, construction loans and home builder lines of credit.

Loan Workouts

Members of our Team have extensive experience representing financial institutions in all phases of distressed commercial real estate loans. We regularly represent institutional creditors in negotiated restructurings; acquisition, valuation, resolution and/or disposition of distressed loans; bankruptcies and foreclosures of distressed investments. Our litigation lawyers work in conjunction with our real estate lawyers to successfully handle out of court workouts, forbearance agreements and restructurings of distressed loans.  We provide litigation representation with respect to commercial foreclosures, creditor’s rights in bankruptcy and UCC lien and guaranty enforcement actions.

We work closely with our clients so they understand the workout process and can determine the most effective strategy for achieving their objectives.

Creditors’ Rights, Foreclosures and Bankruptcy

In the event that a workout fails, our Team includes attorneys who focus their practice on bankruptcy and creditors’ rights, including the formulation and confirmation of plans of reorganization; liquidation plans; prepackaged plans; representation of creditor and bondholder committees; cram-down litigation; litigation involving unexpired leases and executory contracts; litigating avoidance actions; debtor-in-possession financing; valuation proceedings; post-petition financing; acquisitions of stock and assets; asset sales; going-out-of-business sales; automatic stay litigation; and bankruptcy appeals.

In addition, we have handled complex foreclosure actions on all types of properties, including shopping centers, hotels, office buildings, apartment complexes, restaurants, assisted living facilities, nursing homes and agricultural properties. Our attorneys regularly appear in both state and federal courts on a variety of creditor/debtor issues. We also assist our clients in post-judgment execution, including the domestication and enforcement of judgments of other states and foreign countries, and prosecuting fraudulent transfer claims.

Tax Expertise

Our Team provides a broad array of tax services in connection with real estate transactions, including the structuring of tax-free exchanges (forward, reverse and build‑to-suit exchanges), planning to preserve long-term capital gains in connection with dispositions of real estate and the structuring of joint venture arrangements for the acquisition and/or development of real properties. Team member, Charlie Egerton, is recognized as a national expert in the areas of like-kind exchanges and taxation of real estate development.

In addition, our team also provides advice to our clients regarding the tax consequences of real estate loan workouts, foreclosures and deeds in lieu of foreclosure.

Estate Planning Expertise

Dean Mead’s Estate and Succession Planning Team is one of the largest and most respected groups of estate planning attorneys inFlorida. We are frequently called on by accountants, other attorneys, banks, and trust companies to handle the most sophisticated estate planning, probate, and trust administration cases.

Agribusiness Expertise

Dean Mead’s Agribusiness Team has a long history of representing businesses and individuals engaged in agribusiness operations throughout the State ofFlorida. Our Team includes attorneys from every department and office throughout the firm so we are able to provide our clients with comprehensive legal counsel that addresses every aspect of their operations.

 Following is a representative list of the transactions in which our Team has been involved:

  • $32 million construction loan for multifamily project in Pinellas County, Florida.
  • $45 million revolving line of credit construction loan for phase hotel-condominium project in Orange County, Florida.
  • $25 million construction revolving line of credit to developer of retail drug stores across the State of Florida.
  • 29 million construction loan for retail shopping center in Volusia County, Florida.
  • $25 million construction loan for multifamily project in Celebration, Florida.
  • $132 million syndicated loan transaction involving seven real estate lenders and two mezzanine lenders for luxury high-rise condominium project in Miami, Florida.
  • $10 million construction loan for build to suit office building project in Broward County, Florida.
  • $75 million residential builder line of credit for construction of single family homes across Florida.
  • $50 million residential builder line of credit for construction of single family homes in seven southern states.
  • $24 million construction loan for multifamily project near Naples, Florida.
  • $13 million and $9 million construction loans for condominium projects in Volusia County, Florida.
  • $13 million development loan for construction of residential subdivision in Orange County, Florida.
  • $9 million and $7 million loans for construction of hotels in Orange County and Daytona Beach, Florida.
  • $15 million loan for construction of tissue paper manufacturing plant in Central Florida.
  • $40.5 million and 27 million health facility authority bond issuance in Orange County, Florida.

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