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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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Published: 2021 Updated for 2025 Regulatory Environment The most preventable regulatory violations facing California private lenders stem from a single source: failing to submit required ...

Building A Winning Litigation Strategy When Borrowers Default - Geraci LLP

Published: October 2023 Updated for 2025 Lending Environment When a borrower stops making payments, private lenders face a critical decision point. The difference between recovering ...

Five Critical Mistakes Fund Managers Make And How To Avoid Them - Geraci LLP

Private lending funds provide essential infrastructure for scaling lending operations, but fund management introduces complexities that balance sheet lenders never face. While funds offer powerful ...

A wide-angle architectural photograph of two adjacent commercial properties at dusk

For a private real estate lender, the single most consequential question on a loan file is rarely the interest rate or the LTV. It is ...

A REIT capital structure rendered as a vertical cross-section

The private lending industry entered a new era on July 4, 2025, when President Trump signed the One Big Beautiful Bill Act (OBBA) into law. ...

A chain of title laid out as a physical timeline

Why Title Insurance Matters for Private Lenders Private lenders face a unique set of risks that institutional banks have entire departments devoted to managing. Among ...

Overhead cinematic shot of a large loan document spread across a wide table

Introduction: Portfolio Liquidity Through Loan Participations Loan participation structures have become essential tools in the private lending ecosystem, enabling originators to manage capital efficiency while ...

A commercial property lobby

Understanding Cash Management Controls in Commercial Lending Commercial mortgage-backed securities (CMBS) transactions have increasingly incorporated rental income lockbox arrangements as a fundamental cash management tool. ...

A congressional bill summary spread on a legislative affairs desk REIT-relevant provisions

On July 4, 2025, President Trump signed H.R. 1 — the One Big Beautiful Bill Act — into law. The legislation had passed the U.S. ...

A tightly composed photograph of an empty house stripped to its studs after foreclosure

Private lenders frequently face a harsh reality: foreclosure sale proceeds often fall short of the outstanding loan balance. California’s one-action rule and security-first principle typically ...

Painterly illustration of a private fund manager standing at a floor-to-ceiling window overlooking

Understanding Securities Litigation and Enforcement for Private Fund Managers Private fund managers operating in the mortgage and real estate lending space face an increasingly complex ...

Learn to identify AML red flags in lending with this practical checklist. Protect your firm from regulatory penalties and reputational risk. ...