A commercial lending lawyer represents either the lender or the borrower in negotiating, drafting, and closing financing documentation. This can include credit agreements, security registrations, guarantees, and other documents required to properly structure and complete the transaction. Mann Law represents chartered banks, credit unions, private lenders, and corporate borrowers across Ontario on transactions ranging from commercial mortgages to complex multi-party syndicated loans.

Asset-based lending uses specific business assets — such as accounts receivable, inventory, or equipment — as collateral. A traditional business loan is generally underwritten based on the overall creditworthiness and financial strength of the business. Asset-based financing can sometimes allow a company to access more capital than a conventional loan, but it requires carefully structured security documents and registrations. This is a core part of Mann Law's commercial lending practice.

Cross-border financing involves different legal systems, currencies, security regimes, and enforcement requirements. Improperly prepared or registered security documentation may affect a lender's ability to enforce its rights in another jurisdiction. Mann Law structures and documents financing arrangements involving Canadian, U.S., and international lenders while coordinating the applicable registration and enforcement requirements across jurisdictions.

Mezzanine financing is a form of subordinated debt that generally sits behind a company's primary or senior financing. It may be used to fund an acquisition, expansion, leveraged transaction, or other growth initiative when additional capital is required beyond what a senior lender will provide. Because mezzanine debt is subordinate to senior financing, careful inter-creditor documentation is particularly important. Mann Law advises on subordinated lending and inter-creditor arrangements for growth-stage and mid-market companies.

Yes. A commercial lending lawyer can review the term sheet and loan documents before they are signed, identify potentially unfavourable provisions, and negotiate with the lender's legal counsel. This may include financial covenants, prepayment penalties, security requirements, events of default, and personal guarantee provisions. Mann Law represents borrowers and lenders in commercial mortgage financing, refinancing, and secured lending transactions throughout Mississauga and the GTA.

Project financing is generally used to fund a specific development, construction project, infrastructure project, or other large-scale undertaking. Repayment is often tied primarily to the revenues and assets of that project rather than the general assets of the borrowing company. These transactions may involve multiple lenders, phased advances, construction milestones, and complex security arrangements. Mann Law assists developers and institutional lenders with the structuring and documentation involved in project-financing transactions.

The timeline depends on the size and complexity of the financing. A relatively straightforward commercial mortgage may close within a few weeks, while a syndicated, project-financing, or cross-border facility involving multiple lenders may require several weeks or months of negotiation, documentation, and due diligence. Engaging a lending lawyer during the term-sheet stage can help identify issues earlier and reduce avoidable delays. Mann Law is often engaged before the final loan documents are prepared so the transaction can be reviewed from the beginning.