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Banking & Financial Services

Printable Summary

Financing issues underlie most commercial activity. Businesses must borrow to finance expansion and acquisitions, or to ease cash flow. Banks and other lenders must negotiate loan terms that protect their interests. 

Torkin Manes’ Banking & Financial Services Group provides comprehensive legal services to a wide spectrum of lenders and borrowers. We represent many types of lender, including Schedule I and Schedule II chartered banks, U.S. banks, asset-based lenders, mezzanine and subordinated lenders, and private lenders. We represent borrowers in most sectors of the economy, including real estate development, technology, pulp and paper, mining, manufacturing, pharmaceutical, distribution, entertainment, construction, importers, exporters and foreign companies investing or establishing a presence in Canada.

Our lawyers have lengthy experience in a broad range of legal services for borrowers and lenders, including corporate finance, regulatory and governance issues, and general banking matters. As befits a law firm that prides itself on understanding its clients’ businesses and providing practical advice that helps clients reach their objectives, our Banking & Financial Services Group ensures that our clients’ financing arrangements are completed efficiently and cost-effectively. Our clients know they can reach us whenever they need to—and that the lawyer they will be dealing with is the lawyer taking responsibility for the work. We pride ourselves on explaining complex technical issues clearly and concisely so that our clients understand their options.

Because we serve both borrowers and lenders, each side benefits from our knowledge of the other. We understand how banks and other lenders make decisions. We have solid, long-standing working relationships with lenders and can negotiate effectively with them on our clients' behalf, no matter what the size or type of loan.

Some of our many services include:

  • Asset-based lending
  • Cross-border loans
  • Equipment leasing/financing
  • Factoring
  • Mezzanine and subordinated debt
  • Real estate finance
  • Secured transactions
  • Venture capital financings

Publications & Presentations

Torkin Manes LegalPoint

A Big Win for the Crown - Deemed Trusts Take Priority over Security Interests

Torkin Manes LegalPoint Introduction It was a big win for the Crown in the recent case of Her Majesty The Queen v. The Toronto-Dominion Bank, 2018 FC 538. Mr. Justice Grammon...
Sep 13, 2018
Article

A Big Win for the Crown — Deemed Trusts Take Priority over Security Interests

Ontario Real Estate Law Developments, Lexis Nexis It was a big win for the Crown in the recent case of Her Majesty The Queen v. The Toronto-Dominion Bank, 2018 FC 538. Mr. Justice Grammond of the Fede...
Sep 7, 2018
Presentation

Getting the Deal Done: A Practical Lawyer’s Guide to Commercial Real Estate Lending

Presentation for Bank of Montreal, internal BMO training program
Jan 24, 2018
Torkin Manes LegalPoint

Does an Ontario Court Have the Jurisdiction to Enforce an Ontario Guarantee against an Alberta Guarantor?

Introduction It is common for lenders and other parties in Ontario to require a guarantor in another province to execute an Ontario form of guarante...
Nov 30, 2017

News & Media

Jeffrey Alpert to speak at the 2018 Annual International Factoring Association Conference

This panel of Canadian legal experts will review case rulings that have taken place in various Canadian jurisdictions over the past year and discuss t...
May 4, 2018