Document Preparation
LOAN DOCUMENTS
For lenders who need best-in-class loan documents so that they can sleep at night, Geraci has built its reputation on providing industry-leading documents.
Whether you are primarily a fix-and-flip originator, a complex commercial lending organization, or anything in between, our team of experts has a document solution in place for you.
We start by providing best-in-class compliance and structuring advice so that you can determine what is the right document structure in the first place. Then our team of expert attorneys prepares custom document packages designed to protect your interests.
After the preparation of documents, our team of experts can expertly shepherd your transaction through the loan closing process including the review of executed documents, settlement items, insurance, proformas, or any other closing requirements relevant to your loan closing.
You are empowered to pick and choose which services make sense for your loan. We provide custom flat fee pricing solutions specifically tailored to your needs on a deal by deal basis.
For our loan documentation services, we provide loan documents in all 50 states. Common loan products include:
| Construction (Ground Up or Cosmetic) | Commercial (Office, Industrial, Warehouse, NNN, Shopping Center, Retail, Special Use, Hospitality, Self-Storage, Mixed-Use) | UCC Loans |
| Cannabis lending | Unsecured Loans | |
| Lines of Credit (Revolving and Fixed) | Residential | Warehouse Lines of Credit |
| SBA/USDA Loans | Multifamily | Shared Appreciation Loans |
| Mezzanine | Land (Raw and Entitled) | Seller Carryback Financing |
| Rental | Leasehold interests |
Additionally, we advise and prepare the following ancillary loan documents when advised for your loan closing:
| Intercreditor Agreements | Deposit Account Control Agreements | SPE/SPV Restrictive Agreements |
| Subordination Agreements | ||
| Estoppels | Side Letters | Corporate Authorizations and Consents |
| Lockbox | Membership Pledge | Disclosure Packages |
| Cash Management Agreements | Collateral Security Agreements | Limited / Bad Boy Guarantees |
| CLO Nonconforming Tapes | Assignments of Permits, Plans and Professionals | Opinion Letters |
| UCC | Indemnity Agreements | Comfort Letters |
BEYOND LOAN DOCUMENTS
Beyond the preparation of loan documents, your lending business needs other transactional documents. Our team is here to help you with the preparation of all documents you will need to succeed in the marketplace.
Secondary Market Documentation
Once you make the loan, you may be considering selling, participating, hypothecating or otherwise conducting a secondary market transaction with your loan. Know that our team is in your corner and will be able to provide you peace of mind through any secondary market transaction. We commonly prepare and negotiate for both sides the following documents for a secondary market transaction:
| Master Purchase and Loan Sale Agreement | Single Loan Sale Agreement | Hypothecations |
| Loan Participations | ||
| A/B Sales | Collateralized Loan Obligations (CLO) and other securitization preparation |
Agreements for Portfolio Lenders
Often times after you make a loan, you will need to make small or large changes to the underlying loan documents. Our team has tremendous depth and experience in the preparation and negotiation of the following:
| Modification Agreement | Loan Assumption Agreement | Addenda |
| Extension Agreement | Change In Terms | Amendments |
Non-Loan Related Documents
You’re also an operating business. For mortgage professionals we prepare and negotiate many side agreements not directly related to a loan file such as:
| Broker Agreement | A/B Investor Agreements | NDA |
| Loan Servicing Agreement | LOIs | Non-Circumvent |
| Yield Spread Agreement | Procurement Agreement |
