Commercial Financing Lawyers – Toronto & Greater Toronto Area
Commercial financing provides businesses with the capital needed to operate, expand, or pursue strategic opportunities. Companies across Toronto and the Greater Toronto Area rely on traditional bank loans, corporate credit facilities, private lending, and alternative financing solutions to support growth and ongoing business needs.
At Kalfa Law our commercial financing lawyers assist corporations, lenders, and business owners throughout Ontario with structuring, negotiating, and closing secured and unsecured financing transactions.
What is Commercial Financing?
Commercial financing includes a broad range of lending solutions, such as:
- Term loans
- Lines of credit
- Revolving facilities
- Asset-based lending
- Private lending
- Invoice or receivables financing
- Equipment financing
These funding options help businesses:
- Manage operational cash flow
- Acquire equipment and fixed assets
- Expand physical premises
- Finance new projects
- Support acquisitions
- Strengthen working capital
Most commercial borrowing takes the form of secured lending, where business assets, equipment, real estate, or personal guarantees secure the debt. However, unsecured loans and equity financing can also be structured depending on the lender’s requirements and the borrower’s financial profile.
Commercial Financing and Business Purchases
Commercial financing frequently arises alongside the purchase of a business during private M&A transactions. Many purchasers rely on acquisition financing to complete the transaction and support post-closing needs such as staffing, integration, inventory, or initial operating cash flow.
Read more about commercial financing in business acquisitions.
How Our Commercial Financing Lawyers Support Your Transaction
Commercial lending and secured transactions involve detailed legal documentation and lender requirements. Our lawyers assist clients by:
Negotiating Loan Terms
We negotiate loan terms on behalf of borrowers or lenders, including:
- Interest rates and fee structures
- Repayment schedules
- Borrowing limits
- Collateral and security requirements
- Loan covenants and financial obligations
- Default and enforcement provisions
Our objective is to secure terms that protect our client’s commercial interests while minimizing long-term legal and financial risk.
Drafting and Reviewing Financing Documentation
We prepare and review all required documents, including:
- Loan agreements
- Promissory notes
- General and specific security agreements
- PPSA registrations
- Guarantees
- Corporate authorizations
- Priority agreements
- Subordination agreements
- Closing checklists
These documents define the rights and obligations of the parties and ensure both compliance and enforceability.
Managing the Closing Process
Our team coordinates all steps required to close the financing, including:
- Searches and registrations
- PPSA filings
- Title due diligence (where applicable)
- Ensuring satisfaction of borrower and lender conditions
- Document execution
- Confirming fund disbursements
We work directly with financial institutions, private lenders, title companies, and corporate clients to ensure a smooth and timely closing.
Who We Act For
Kalfa Law Firm represents:
- Corporations and business owners
- Borrowers securing new or refinancing existing debt
- Banks and conventional financial institutions
- Private lenders and investor groups
- Purchasers in acquisition financing
We advise clients throughout Toronto, Mississauga, Brampton, Markham, Durham, York, Halton, Peel, and across Ontario.
Why Choose Kalfa Law Firm
Clients rely on Kalfa Law Firm for:
- Extensive experience in secured lending and commercial finance
- Thorough and practical legal guidance
- Responsive communication and timely execution
- Solutions tailored to the realities of corporate operations and lender requirements
Call to Speak with a Commercial Financing Lawyer
If your corporation is considering new financing, refinancing, asset-based lending, or acquisition financing, contact Kalfa Law Firm today to discuss whether traditional commercial lending is the most suitable option for your business.
