Banking and Finance


Our lawyers have represented community and regional banks and private money lenders making commercial loans for over 30 years, including taxable bond issues, working capital lines of credit, equipment loans and leasing, mezzanine, asset-based lending, and construction and real estate development loans, as well as collections and foreclosures. In addition, we have unique expertise in community bank formation and governance.

Similarly, we represent borrowers with traditional commercial lending and life insurance company and government-backed loans, and companies financing operations through the issuance of debt and equity. We also represent sponsors and accredited investors in private placement offerings of securities issued under Regulation D of the Securities Act of 1933. 

Representative Matters:

  • Actively involved in the formation of four newly chartered (“de novo”) banks in Greater Cincinnati / Northern Kentucky.

  • Outside general counsel to successful community bank with 19 branches in Kentucky and Ohio.

  • Local counsel to Pennsylvania-based borrower with multiple Ohio plants in $150+ million credit facility, acquisition of adjoining real property, and effecting merger under Ohio law.

  • Represented federal agency in review of its updated multifamily mortgage and guaranty forms for compliance with Kentucky law.

  • Borrower’s counsel to owner and operator of assisted living facilities in acquisition, bridge and permanent financing, including Fannie Mae and HUD’s FHA 232 / 223(f) loans.

  • Borrower’s counsel to owner and operator of multifamily apartment and assisted living facility projects, including Fannie Mae, Freddie Mac and FHA 207 / 223(a)(7) and 223(f) loans.

  • Sponsor’s / Issuer’s counsel in $15 million private placement under Regulation D (“Reg D”) of the federal securities laws to purchase multifamily projects.

  • Sponsor’s / Issuer’s counsel in establishing fund through private placement under Reg D to acquire underperforming properties, add value, and then liquidate.

  • Sponsor’s / Issuer’s counsel in $12 million private placement under Reg D to fund online retailer.

  • Sponsor’s / Issuer’s counsel in sale of interests to fund the purchase of triple net (NNN) leased properties.

  • Issuer’s counsel in sale of $5 million in unsecured convertible promissory notes.

  • Represent private equipment leasing company affiliated with large equipment dealer in numerous equipment finance leases up to $15 million in value.

Let us show you the Dunham Law Difference.

Large Law Firm Expertise

Insightful and Practical Counsel

Strategic and Diligent Execution

Personally and Locally Connected