Financial Services

Banking

For regional and national banks with commercial lending business, Farella lawyers offer discrete knowledge and practical experience. Acting for banks as outside-counsel or on a special project basis, we structure and document a range of financial transactions involving businesses, high-net-worth individuals, developers, professional services firms, and others.

Tailored to Your Needs

From the complex to the routine, through the nuances of flexible financings, syndicated loans, term loans, acquisition loans and  revolving credit lines, Farella is poised to add value to all client transactions.

Throughout the lending process, we offer our clients high-quality counsel and careful management of available resources. Our lawyers bring acute business acumen and judgement to deals—they know what’s worth fighting for and what’s not. With our knowledge and experience, we know what’s “market,” and can sort out issues relatively quickly and practically. We can make reasonable business calls in grey areas to get deals done without undue expense.

Always mindful of right-sized staffing, our clients receive key partner attention, supported by experienced associates as needed, to create proven efficiencies for banks and their borrowers. Farella also has the ability to be nimble and flexible in fee agreements.

Industry Focus Adds Value

Our industry experience becomes especially valuable in shaping terms and documentation for the needs of banks and their customers in niche industries, including agriculture, dairy, wine, cannabis, energy infrastructure development, professional service firms, private equity and real estate.

Wine Industry and Agricultural Lending

Along the west coast, Farella holds a unique position as one of the foremost advisors to the wine and cannabis industries. From this viewpoint, we are well-equipped to represent lenders to wineries and cannabis operations. In Napa and Sonoma, specifically, we act as outside counsel to the leading winery finance group, documenting financings for family-owned wineries producing high-end wines.

We also work deals for banks lending to large agricultural operations such as dairies and corporate wineries, that provide funding for construction, acquisitions, and operations. In particular, we are frequently engaged to draft complicated syndicated loans or structure operating lines of credit to help growers, producers, and sellers balance seasonal cash flows.

Energy and Infrastructure Finance

Farella’s extensive experience in the energy sector helps our client’s successfully finance energy projects.  Farella has a highly collaborative team of attorneys with a diverse set of skills uniquely suited to assist project sponsors throughout the project development finance process.  We help clients ensure that their key project agreements (e.g, real estate, permitting, EPC, interconnection, power sales and financing agreements) are negotiated and drafted in a manner that will ease a sponsor’s way to closing, and help them quickly and efficiently identify and resolve and/or avoid project development issues.

In addition, the firm is often engaged in a specialized counsel role to large infrastructure lenders, who also benefit from our team’s collaborative approach, extensive experience and diverse skill set, and help lenders  to deftly complete project diligence review and identify and resolve  project contract and financing issues, including related to permitting, siting, title insurance, offtake and interconnection issues.

Bank Litigation and Investigations

We regularly represent regional and national banks and/or their officers and directors in a variety of  high stakes litigation matters alleging securities fraud, improper accounting and sales practice, patent infringement, breach of contract and fiduciary duty, as well as insolvency issues,  These matters sometimes involve class action and/or derivative claims with parallel governmental investigatory or enforcement proceedings brought by agencies including the SEC, OCC, FDIC or DOJ.  We have also conducted  internal investigations to identify and address any problems before they lead to protracted litigation

Firm Highlights

Publication

CARES Act Money for Wineries? (Updated)

Beginning April 3 rd , the Small Business Administration will begin accepting applications for Paycheck Protection Program (PPP) loans under the new CARES Act. Amid the flurry of news, small winery owners may not yet have...

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Publication

Strategy Lessons From Wells Fargo Fintech Patent Litigation

United States Automobile Association (USAA) is a financial services company that provides insurance, banking, investment, and retirement products and services for members of the military and their families. On June 7, 2018, USAA filed...

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Publication

How Defense Strategies Can Go Awry When Pursuing Concurrent PTAB Relief in Financial Services Patent Litigation

United States Automobile Association (USAA), a financial services company that provides insurance, banking, investment, and retirement products and services for members of the military and their families, filed a surprising patent infringement complaint against Wells Fargo...

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Publication

CARES Act Paycheck Protection Program Summary (Updated)

The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) Paycheck Protection Program (PPP) aims to provide qualifying small businesses, nonprofit organizations, veterans organizations, tribal businesses, sole proprietors, and independent contractors forgivable loans of...

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Publication

Fed Announces New Main Street Lending Program

Loans Will Provide Additional Support for Small and Mid-sized Businesses On April 9, 2020, the Federal Reserve released the terms of its Main Street Lending Program , a $600 billion loan fund for U.S...

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