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Avoiding Marshalling

Cross-Collateralized Lenders May Face Litigation from Junior Lienholders Private lenders with cross-collateralized assets typically have extra security but face a unique challenge: junior lienholders who have no other source of assets from the same creditor can sue to force the lender into focusing on a different collateral or even get...

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An overhead editorial flatlay of a closing table stripped of people

⚠️ REQUIRES HUMAN REVIEW BEFORE PUBLICATION ⚠️ REASON: Original article co-authored by “Nema Daghbandan, Esq.” which may be former partner “Nima.” Content has been rewritten ...

A private lender's economic stress scenario analysis distressed deal pipeline

Preparing Your Private Lending Portfolio for Economic Headwinds Economic uncertainty creates challenges for every segment of the real estate industry, but seasoned private lenders know ...

An editorial still life of a 2023 market forecast

As 2023 began, the private lending industry faced a complex environment marked by rising interest rates, persistent inflation, and economic uncertainty. Looking back at the ...

Editorial close-up of a California state legislative chamber hall in dramatic side-lighting

Understanding New Criminal Liability Standards For Lenders And Brokers Originally published for the California Mortgage Association, this analysis examines AB 3108’s significant impact on mortgage ...

A wide conference room shot with Geraci LLP's private lending forecast displayed on a presentation

At the close of every year, it is valuable to step back, assess where the private lending market stands, and project what the coming period ...

A CFPB investigation preparedness binder spread on a compliance officer's desk document

The Consumer Financial Protection Bureau (CFPB) remains one of the most consequential regulatory bodies for financial services companies, including private lenders, mortgage servicers, and other ...

Offshore investor capital raising tax strategies - Geraci LLP

Executive Summary Private lenders and fund managers seeking to expand their capital sources increasingly turn to offshore investors. While international capital can provide substantial growth ...

Cinematic close-up of layered architectural blueprints, title reports

Why Proper Loan Documentation Matters One of the most fundamental yet frequently overlooked questions in private lending is deceptively simple: what does a well-prepared set ...

A whiteboard in a private lending strategy session six loan structure diagrams sketched out

As interest rates remain elevated and commercial real estate valuations continue to adjust, private lenders and borrowers alike are navigating a fundamentally different lending landscape ...

A private lending brand identity spread on a marketing desk investor communication samples

Market downturns present a paradox for private lending companies: the instinct to cut costs often targets marketing budgets first, yet the lenders who invest strategically ...

A translated loan disclosure form and a language access plan spread on a compliance desk —

The United States has one of the most linguistically diverse populations in the world, and that diversity represents both a significant market opportunity and a ...

A cinematic close-up of a county recorder's stamp pressing down onto a deed of trust

For private lenders secured by real property, the act of recording a deed of trust or mortgage is not merely a formality — it is ...