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Utah and Idaho: The Two States That Catch Every Private Lender Off Guard

A Practical Compliance Guide for Business Purpose Lenders Entering the Mountain West A private lender we recently advised had been making business purpose bridge loans on single family investment properties in both Utah and Idaho for the better part of two years without a license in either state. The client...

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Facing foreclosure in Arizona can be overwhelming. Homeowners often struggle with missed payments, mounting debt, and pressure from a mortgage holder or bank. The risk ...

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The construction industry in Arizona faces unique legal challenges, especially when financing and lending are involved. Property owners, general contractors, construction suppliers, and financial institutions ...

A painterly visualization of capital splitting at a structural fork

The Section 199A qualified business income (QBI) deduction has driven significant structural decisions in the private lending industry since its 2017 enactment. As private lenders ...

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Raising capital in Arizona requires careful attention to blue sky laws and securities filings. Whether you are planning securities offerings, issuing bonds, or attracting potential ...

A bankruptcy claims trading docket beside a proof of claim document claim amount

Acquiring claims in bankruptcy proceedings has grown into a well-established secondary market, attracting private lenders and investment firms seeking discounted debt positions. While the potential ...

A non-QM loan file under fraud review income documentation flagged, entity verification circled

The non-qualified mortgage sector continues to face mounting fraud challenges, with several industry participants taking aggressive steps to shield their portfolios from exposure. An increasing ...

A secured storage facility at night, rows of metal roll-up doors under cold fluorescent light

When borrowers default on secured loans involving personal property, lenders face a critical question: how do you recover your collateral when the debtor refuses to ...

A cannabis collateral file spread on a lender's desk license copies, property valuation

The cannabis industry continues to present a compelling, if complicated, opportunity for private lenders. As of 2025, 24 states plus the District of Columbia have ...

The In re Moon and SB 1146 texts placed side by side on a California lender's desk —

For private lenders operating in California, few legal developments have generated more compliance questions in recent years than the bankruptcy court decision in In re ...

Supreme Court Bright decision overrules Chevron deference - Geraci LLP

The U.S. Supreme Court’s landmark decision in Loper Bright Enterprises v. Raimondo marks a turning point in administrative law and its ripple effects are already ...

A California post-foreclosure unlawful detainer complaint and a property possession timeline spread

After completing a foreclosure sale, private lenders often discover that the real challenge is just beginning. Former borrowers, holdover tenants, and unauthorized occupants may remain ...

A multi-state licensing compliance matrix business-purpose exemption status by state

One of the most persistent misconceptions in the private lending industry is that business purpose loans secured by residential real estate do not require state ...