Asset-Based Lending: Navigating Borrowing Base, Article 9 Collateral Issues, Key Provisions

Ms. Hopkins’ practice focuses on commercial finance and creditors’ rights. She advises clients on structuring, negotiating, and documenting cash flow and asset-based transactions across all lifecycles of a loan. While she has a deep knowledge of healthcare finance, given her prior business experience, Ms. Hopkins also has industry expertise in other business sectors, such as casinos, restaurants, media, manufacturing, and entertainment. In addition, Ms. Hopkins has extensive experience structuring and documenting unitranche and split collateral deals. Prior to rejoining the firm, Ms. Hopkins served as Senior Vice President in the Healthcare Finance group at Wells Fargo Commercial Capital. In this role, she led the negotiation, documentation, and execution of all transactions (asset-based, cash flow, and real estate) for the group across a variety of healthcare sectors. Prior to her tenure at Wells Fargo, Ms. Hopkins was a partner in Paul Hastings’ Finance Practice, advising commercial finance companies, hedge funds, and banks on leveraged loans, asset-based financings, debtor-in-possession financings, syndications, and leasing transactions in a variety of sectors. 

As a member of the Financing and Restructuring Group, Mr. Kirsch’s practice focuses on the representation of leading commercial and investment banks and alternative lenders in large cap and middle market leveraged finance transactions. His broad-based domestic and international finance experience includes widely syndicated and bilateral credit facilities, acquisition financings, and asset-based facilities. Mr. Kirsch advises clients throughout the deal cycle, from commitment letters to execution, and from refinancings to restructurings. He also has significant experience with secured and unsecured registered offerings and private placements of debt, equity, and convertible securities, representing both underwriters and issuers. Mr. Kirsch practices across a variety of industries, including software and technology, energy, gaming, healthcare, and life sciences, with extensive experience negotiating credit and security documentation.

Mr. Ross represents banks and alternative lenders in commercial finance transactions, including acquisition financings, syndicated and direct lending, cross-border transactions, special situations, refinancings, recapitalizations, asset-based lending, cash flow loans, first lien/second lien facilities, and mezzanine debt facilities. He has experience in various business sectors including healthcare, software, retail, media, franchising, manufacturing, and transportation. In addition, Mr. Ross has extensive experience in representing creditors, lenders, and investors in connection with both in-court and out-of-court restructurings, including debtor-in-possession and exit financings.