Secured Lending

Secured Lending

Practice Group Members

Monika Drobnicki
Jenny Pho
Jenny Pho
Dean Psarras
Mark Uster
Mark Uster
Anne-Marie Widner

The essence of secured lending is security. We understand the credit process and we understand the role which the acceptance of collateral security plays in a lender’s analysis of credit risk. We provide comprehensive services to financial institutions, corporations, municipalities, investors and others involved in commercial lending. We understand the complex business world in which lenders operate and the intricate legal framework which they face.

Financial Institutions

We represent banks and other lending institutions, companies and individuals seeking financing as well as businesses otherwise engaged in commercial transactions, each in a wide variety of ways.


We provide advice and assistance in the structuring of complex multi-lender transactions, multi-currency financing, acquisition loans, multi-borrower facilities and syndicated credits. In addition to closing loans, our lawyers are often involved throughout the life of a credit relationship. As businesses expand, we advise and represent our clients on additional financing options.

Real Estate Security

Our Real Estate lawyers regularly represent lenders in both construction loans and permanent financing. Among the types of properties that we have been involved in financing are suburban and downtown office buildings, industrial facilities, apartment complexes, condominiums, subdivision developments, senior citizens homes, cemetery properties, multi-use properties, shopping centres and other retail developments.

Renewable Energy

Dale & Lessmann LLP has extensive experience acting for secured lenders and project financiers in relation to wind energy, solar energy, biomass/gas and hydroelectric power projects. Our services include conducting due diligence reviews of renewable energy projects, preparing security documentation and creditor agreements, and advising on regulatory issues, including the requirements of the Ontario Power Authority's Feed-in Tariff and MicroFIT programs. For more information about our renewable energy practice, please click here.

Equipment Finance

If you sell equipment, part of your sales approach may be the provision of equipment finance. Used as a selling tool, vendor finance can be an excellent means of securing new business and meeting customer needs. It can also be a minefield of potential losses and long-term headaches. We have helped numerous businesses set up, audit and maintain their equipment finance portfolio. From staff training, to document design, to security registrations and follow-up, we can help you minimize risk, automate processes, maximize staff resources and put your focus back on customer service and sales.

Work-outs and Collection

We will be there when things go wrong. And, when they do, timely, conservative and accurate advice is the best tool you can have. With troubled credit, we help structure work-outs and provide advice concerning the legal issues, litigation options and business opportunities involved.