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Canadian Capital Is Looking South: What It Means for Private Lenders

Over the past year, I have had more conversations than ever with Canadian private lenders asking a deceptively simple question: should we be looking at the United States? Five years ago, that question was relatively uncommon. Today, it comes up constantly—and for good reason....

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A closing protection letter clipped to the front of a title commitment the $50 fee marked in

Closing a real estate loan is a choreography. The title underwriter issues the policy, but the actual closing — the document execution, the funds disbursement, ...

Important 2025 AML updates for private lenders - Geraci LLP

As we reach mid-2025, significant changes to the U.S. anti-money laundering (AML) regulatory landscape are taking effect—impacting private lenders, financial institutions, and compliance officers nationwide. ...

Cinematic wide shot of a California real estate office interior at golden hour

Real estate brokers operating in California face complex regulatory requirements administered by the California Department of Real Estate (DRE). Understanding and maintaining compliance with DRE ...

Editorial photograph of a commercial greenhouse in a legal cannabis cultivation facility

The cannabis industry has experienced unprecedented transformation over the past several years, creating both opportunities and complexities for private lenders. As of 2025, the legal ...

Legal and financial services - Geraci LLP

By now, most of our clients obtain personal guaranties on all their loans. However, almost as if it is an afterthought, they don’t know what ...

Geraci LLP legal services for private lenders

For private lenders, obtaining the proper licensing is a crucial step toward legally operating and building a trustworthy lending business. Navigating the complex and varied ...

Moody dusk photograph of the Maryland State House dome rising above bare oak trees

Maryland significantly modernized its mortgage lending regulatory framework in 2024-2025, creating substantial changes for lenders operating in the state. These revisions affect licensing requirements, exemptions, ...

Geraci LLP legal services for private lenders

Fund Formation & Capital Raising Mortgage/Real Estate Fund Structuring Private Placement Memorandum (PPM) Drafting Operating Agreements / LP Agreements Regulation D (506(b) and 506(c)) Compliance ...

An assignment of rents instrument beside a rent roll the enforcement clause circled

For private lenders securing loans against income-producing real property, protecting access to rental cash flow is one of the most important tools in a well-structured ...

Business Purpose Residential Lending State Licensing Requirements Guide For 2025 - Geraci LLP

Published: March 2024 | Updated: January 2025 By Geraci LLP Corporate & Securities Team Executive Summary Private lenders financing real estate investors through business-purpose loans ...

Usury Law Compliance A Strategic Guide For Private Lenders In - Geraci LLP

Published: May 2024 | Updated: January 2025 By Geraci LLP Banking & Finance Team Understanding Usury: Balancing Fair Returns with Borrower Protection Usury laws establish ...

Fund formation key legal considerations for private lenders - Geraci LLP

Private lending has become an increasingly attractive alternative to traditional financing, offering lenders the ability to invest directly in real estate, small businesses, and other ...