Overview
Sau Legal's Banking & Finance practice provides comprehensive legal counsel to banks, financial institutions, private equity funds, borrowers, and corporate treasuries across the full spectrum of financing transactions. Our attorneys bring deep market knowledge and technical precision to every deal, whether it involves a bilateral credit facility or a multi-tranche, cross-border leveraged acquisition.
We understand that financing transactions are the lifeblood of commerce. Our team works to structure deals that achieve our clients' commercial objectives while managing risk, ensuring regulatory compliance, and providing the flexibility needed to adapt to evolving market conditions.
Acquisition & Leveraged Finance
Our acquisition finance practice supports private equity sponsors, strategic acquirers, and financial institutions in structuring and documenting leveraged buyouts, management buyouts, and strategic acquisitions. We advise on senior secured credit facilities, mezzanine financing, unitranche structures, and high-yield bond offerings. Our team has extensive experience with intercreditor arrangements, equity contribution agreements, and the complex documentation required for multi-layered capital structures.
Asset-Based Lending & Structured Finance
We represent lenders and borrowers in asset-based lending transactions, including revolving credit facilities, term loans, and inventory and receivables financing. Our structured finance practice encompasses securitization transactions, collateralized loan obligations, and other capital markets products. We advise on the structuring, documentation, and regulatory aspects of these transactions, with particular attention to bankruptcy remoteness, true sale analysis, and credit enhancement mechanisms.
Restructuring & Workouts
When borrowers face financial distress, our team advises lenders and creditor groups on loan workouts, forbearance agreements, debt-for-equity conversions, and out-of-court restructurings. We also represent debtors-in-possession and creditors' committees in formal insolvency proceedings. Our attorneys bring a pragmatic approach to restructuring situations, focusing on preserving value and maximizing recovery for our clients while managing the legal and commercial risks inherent in distressed situations.
Regulatory Compliance
The regulatory landscape for financial institutions continues to evolve rapidly. Our team advises on compliance with the Dodd-Frank Act, Basel III and IV capital requirements, anti-money laundering regulations, sanctions compliance, and consumer lending laws. We help financial institutions navigate regulatory examinations, respond to enforcement actions, and develop compliance frameworks that meet evolving regulatory expectations while supporting their business objectives.