Bajaria & Forgerson Law Group represents banks, private lenders, credit unions, and financial institutions in commercial lending transactions across Texas and California. Our attorneys assist lenders throughout the entire lifecycle of a loan—from structuring and documentation to closing, servicing, and enforcement.

We understand that lending transactions require precision, speed, and risk management. Our team works closely with lenders, brokers, and title professionals to structure transactions, prepare enforceable loan documents, and ensure a smooth and efficient closing process.

Proper loan structuring is critical to protecting a lender’s rights and ensuring compliance with applicable law. We advise lenders on the appropriate structure for each transaction and prepare comprehensive loan documentation designed to protect the lender’s position.

Our attorneys regularly draft and negotiate:

• Loan agreements and promissory notes
• Deeds of trust and mortgages
• Security agreements and UCC filings
• Guaranties (including non-recourse and “bad boy” guaranties)
• Assignment of rents and leases
• Deposit account control agreements
• Subordination and intercreditor agreements
• Corporate authorizations and borrower entity documents

We tailor each document package to the specific transaction and collateral structure to ensure enforceability and clarity.

We have extensive experience representing lenders in commercial real estate financing transactions, including loans secured by:

• Office buildings
• Retail and shopping centers
• Multifamily properties
• Industrial and warehouse facilities
• Hospitality and mixed-use developments
• Land and development projects

Our attorneys assist with structuring and documenting complex real estate loans, coordinating with title companies, reviewing surveys and title commitments, and ensuring that lenders obtain the necessary endorsements and protections.

Construction loans involve unique risks and require careful documentation and oversight.

We assist lenders with:

• Ground-up construction loans
• Renovation and repositioning financing
• Draw procedures and disbursement structures
• Contractor and lien risk management
• Assignments of plans, permits, and development agreements
• Completion guaranties and indemnities

Our attorneys work closely with lenders and title companies to ensure that the loan structure properly protects the lender throughout the construction process.

Our firm assists lenders in managing the closing process to ensure that transactions move efficiently from documentation to funding.

Our closing support services include:

• Reviewing borrower entity documents and signature authority
• Coordinating with title companies and escrow officers
• Reviewing title commitments and endorsements
• Reviewing settlement statements and closing packages
• Reviewing insurance certificates and lender requirements
• Ensuring loan documents are properly executed and recorded

By working closely with title and escrow professionals, we help lenders close transactions quickly while maintaining strong collateral protections.

Complex transactions often involve multiple lenders or layered capital structures. We represent lenders in negotiating and documenting arrangements among creditors, including:

• Intercreditor agreements
• Subordination agreements
• Participation agreements
• Loan syndications
• Mezzanine financing arrangements

Our attorneys help ensure that lender rights and priorities are clearly defined and enforceable.

After closing, loans often require modifications to address changing circumstances.

We regularly assist lenders with:

• Loan modification agreements
• Extension agreements
• Assumption agreements
• Amendments to loan terms
• Collateral substitutions and releases

Our goal is to help lenders preserve the value of their loans while maintaining appropriate legal protections.

When borrowers encounter financial difficulty, lenders must carefully evaluate their options.

Our firm represents lenders in:

• Loan workouts and restructurings
• Forbearance agreements
• Negotiation of repayment plans
• Enforcement of loan agreements
• Judicial and non-judicial foreclosure
• Bankruptcy and creditor representation

We take a practical and strategic approach to resolving distressed loan situations while protecting the lender’s collateral position.

Our banking and lending practice is built around the needs of lenders and financial institutions. We combine legal experience with a practical understanding of lending transactions and closing processes.Clients rely on our firm because we provide:

• Efficient loan documentation and closing support
• Deep experience in real estate secured lending
• Practical solutions to complex lending issues
• Coordination with title and escrow professionals
• Strategic guidance when loans encounter problems

We aim to be a trusted legal partner for lenders navigating complex lending transactions.