Bank/Lender Relations and Issues

 

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Your relationship with your lender can be both rewarding and challenging, and the small business lawyers at DailyGC™ have had tons of experience dealing with banks and business loans. We can make sure that your legal, corporate and administrative ducks are in order before you seek a loan. Then, when you present yourself to a bank as a professionally-operated business, your chances of getting the loan are vastly improved.

When you are finally approved for a loan, the paperwork that is generated by the bank can be daunting: promissory notes, loan agreements, financial covenants, security agreements, guarantees, conditional assignments, and much, much more. Unfortunately, many small businesses sign loan papers that they don’t understand, which have terms that are not what they thought or that they simply can’t meet.

Our small business lawyers are familiar with these documents and can help you go through them, making sure that they are accurate and that you understand what you are signing. The last thing you need are loan terms that you cannot meet. Our lawyers also can advise you what and how to negotiate with your lender, to make sure that the loan documentation is fair and works for you.

Sometimes, it feels like your bank loves you only when you don’t need it, but when you need it, it’s not there for you. But banks need customers, too, and you are the customer. Every small business occasionally has issues with its bank, whether they concern financial reporting, financial covenants, payments, or something else. When you have issues that concern your banking relationship, the small business lawyers at DailyGC™ are experienced in calming those waters and will help put you back on a solid footing with your lender.

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PRIORITY ISSUES DESCRIPTIONS
At DailyGC, we provide legal advice and counsel on the full range of legal problems and legal-related business issues that small businesses and startups routinely face in their management, sales, operations and administration. The following are examples of these kinds of problems. You may use these descriptions on your Priority Issues Identifier Form� or you may write your own descriptions.
Business Contracts and Relations:
� Customer Contracts and Disputes
� Vendor Contracts and Disputes
� Collections
� Bank/Lender Relations and Issues
� Landlord/Tenant Relations and Issues
� Bonding/Insurance
� Nondisclosure and Confidentiality Agreements
� Procurement and Management of Outside Counsel
Employment:
� Recruiting/Hiring Practices
� Employment Agreements
� Employee Compensation and Benefits
� Employee Manuals, Policies and Procedures
� Compliance with Government-Required Benefits Programs
� Payroll Compliance with Court Orders
� Discrimination and Harassment Claims
� Management and Discipline of Problem Employees
� Terminations
� Unemployment Insurance Claims
� COBRA Procedures
� Hiring Independent Contractors
Dispute Resolution:
� Case Analysis and Assessment
� Mediation/Arbitration
� Strategies for Litigation, Discovery and Negotiation
� Settlement Analysis
General Corporate:
� Entity formation
� Corporate Governance and Record-Keeping
� Shareholder Relations
� Compliance with Governmental Regulations
� Compliance with Corporate Contractual Obligations
� Contract Review, Analysis and Negotiation Coaching