Bio

John Culpepper advises clients in the areas of finance and lending, mergers and acquisitions, and general corporate representation. He strategically guides lenders and borrowers in commercial real estate financing transactions and commercial loans. He also provides corporate counsel and transactional representation to a variety of clients, including those involved in manufacturing, distribution, retail, insurance, construction, real estate development and information technology. In finance and lending, John handles transactions secured by commercial real estate, including construction, interim and permanent loans, revolving credit facilities and acquisition financing. Such loans are used for the construction, redevelopment and acquisition or refinancing of a variety of commercial properties, such as shopping centers, office buildings, condominium developments, apartment complexes, senior living facilities and manufacturing facilities. John is experienced in representing borrowers in loans for commercial mortgage-backed securities. He also represents commercial banks and companies in a broad range of loans, including revolving credit facilities based on receivables and/or inventory, loans backed by securities or equipment, and acquisition loans. In addition, he prepares and negotiates intercreditor and subordination agreements. At times, John advises borrowers on structuring ownership or forming special purpose entities, negotiating loan documents, preparing nonconsolidation opinions or assist in closings. Additionally, he has experience representing borrowers in defeasance transactions.