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Commercial Finance

Strategic Counsel for Commercial Lending, Structured Finance, and Complex Credit Transactions

Wolfson Bolton Kochis provides comprehensive finance counsel to lenders, borrowers, private equity sponsors, family offices, investors, and businesses engaged in complex commercial lending and financial transactions. Our Finance practice is led by Peter C. Bolton, who advises clients on structuring, documenting, and negotiating financing arrangements that support operations, growth, and strategic transactions.

We assist with secured and unsecured lending, asset-based facilities, acquisition financing, intercreditor arrangements, and sophisticated deal structures across a wide range of industries. Whether guiding lenders through credit transactions or assisting borrowers with capital needs, our attorneys deliver practical, commercially focused advice grounded in a deep understanding of financial markets and business realities.

Why Clients Choose Our Finance Practice

Clients rely on our Finance practice because we combine technical lending experience with strategic commercial insight.

We work closely with financial institutions, private lenders, investors, and business leadership to understand the purpose of each transaction and tailor solutions to operational and strategic objectives.

Our attorneys regularly advise on both standard lending transactions and distressed-credit situations, including workouts and restructurings. This experience, shared with our corporate restructuring and bankruptcy and commercial litigation practices, allows us to anticipate risk, draft effective protections, and negotiate from a position of strength.

Our finance work intersects with mergers & acquisitions, corporate counseling, and real estate matters, enabling us to support financing arrangements tied to growth, transactions, and asset ownership.

Commercial Lending & Structured Finance

We represent lenders and borrowers in a broad range of commercial and structured finance transactions. Each deal presents unique considerations related to collateral, cash flow, covenants, and operational obligations.

We assist with:

  • Secured and unsecured commercial loans
  • Asset-based lending (ABL)
  • Term loans and revolving credit facilities
  • Working-capital lines of credit
  • Equipment financing and leasing
  • Inventory and receivables financing
  • Multi-lender and syndicated credit facilities


Our focus is on clear documentation, thoughtful risk allocation, and efficient execution.

Explore Our Finance Capabilities & Experience

Acquisition Financing & Growth Capital

Businesses pursuing acquisitions, expansions, or investments often require specialized financing structures. We advise on financing arrangements that support strategic growth without creating unnecessary constraints.

We assist with:

    • Acquisition loans
    • Subordinated debt and mezzanine financing
    • Equity and hybrid financing structures
    • Growth-capital and expansion financing
    • Investor and lender negotiations
    • Financing arrangements tied to M&A transactions


Our finance team works closely with our M&A and emerging growth practices to align capital strategy with business objectives.

Multi-lender transactions require clear definition of rights, remedies, and priorities. We negotiate and draft intercreditor agreements designed to reduce conflict and clarify expectations.

We assist with:

    • Intercreditor agreements
    • Subordination agreements
    • Priority and lien-ranking disputes
    • Cross-collateralization arrangements
    • Participation agreements


Clear intercreditor frameworks help prevent disputes during default, enforcement, or restructuring events.

When borrowers face financial distress, our attorneys guide lenders and businesses through enforcement, restructuring, and negotiated resolutions designed to preserve value.

We assist with:

    • Loan modifications and extensions
    • Forbearance agreements
    • UCC Article 9 enforcement
    • Receiverships and foreclosure proceedings
    • Out-of-court restructurings
    • Collateral recovery strategies


Our close coordination with the firm’s restructuring and bankruptcy practice allows us to anticipate issues and pursue efficient outcomes.

We represent:

    • Private lenders and financial institutions
    • Borrowers
    • Private equity sponsors
    • Family-owned enterprises
    • Real-estate developers
    • Manufacturers, technology companies, and logistics firms


Our clients range from small businesses seeking growth capital to multi-billion dollar organizations engaged in multi-layered credit transactions.

Common Questions in Corporate Finance Matters

What is mezzanine financing?

A hybrid structure combining debt and equity features, often used to support acquisitions or expansion.

Yes. Modifications, forbearance agreements, and negotiated restructurings can help stabilize operations.

They clarify lender priorities and rights, reducing disputes during enforcement or restructuring.

How We Can Help

If your organization is evaluating financing options, negotiating lending relationships, or navigating a distressed-credit situation, Peter C. Bolton is available to discuss your transaction and strategic objectives.

Contact Pete Bolton to explore financing structures that support your business while managing risk effectively.

PRACTICE LEAD – Finance

Pete is Practice Lead for Automotive & Supply Chain and Finance at Wolfson Bolton Kochis. He has a diverse national business law practice focused on purchasing and supply chain management, finance, and mergers and acquisitions, particularly in distressed scenarios.

Need Legal Assistance?

Contact our Finance team in Troy, MI.