Finance Agreements
Finance Agreements That Protect Your Position — From Day One.
Whether you're a lender structuring a deal or a funder documenting an alternative finance arrangement — the agreement you sign determines your rights, your remedies, and your ability to enforce when something goes wrong.
Ainsworth Gorkin drafts, reviews, and negotiates finance agreements for lenders and funders across New York and New Jersey. We make sure your agreements are enforceable, your security is properly documented, and your position is protected from day one.
Agreements we draft & review:
→ Loan Agreements
→ Promissory Notes
→ Credit Facility Agreements
→ MCA & Revenue-Based Finance Agreements
→ Guaranty Agreements
→ Intercreditor Agreements
What We Handle
Finance Agreement Services
01
Loan Agreement Drafting & Review
Commercial loan agreements, lines of credit, term loans, and bridge financing — drafted to reflect the deal terms, protect the lender's position, and be fully enforceable in New York courts.
02
Promissory Notes
Clear, enforceable promissory notes that document the obligation, interest terms, repayment schedule, and default provisions — for both private lending and business transactions.
03
MCA & Alternative Finance Agreements
Merchant cash advance agreements, revenue-based financing, and other alternative finance products — reviewed and negotiated to protect against predatory terms, hidden fees, and aggressive default provisions.
04
Guaranty Agreements
Personal and corporate guaranties — drafted to be enforceable for lenders, or reviewed to understand and limit exposure for guarantors before signing.
05
Credit Facility Agreements
Revolving credit facilities, term loans, and multi-draw facilities — with the covenants, conditions, and events of default that reflect the actual deal and protect the lender's interests.
06
Agreement Review & Red-Lining
Before you sign any finance agreement, have us review it. We identify the provisions that put you at risk, negotiate improvements, and make sure you understand every obligation you're taking on.
What to Watch For
The Provisions That Create the Most Risk.
Finance agreements are dense documents with provisions that can dramatically affect your rights if something goes wrong. These are the areas we focus on in every review.
Default & Acceleration ProvisionsWhat constitutes a default, what notice is required, and whether the lender can accelerate the entire balance — these provisions determine how much room you have if something goes wrong.
Covenants & RestrictionsFinancial covenants, operational restrictions, and reporting requirements that give lenders ongoing visibility and control — and that create clear, documented defaults when violated.
Confession of Judgment ClausesSome finance agreements — particularly MCAs — include confession of judgment provisions that allow lenders to obtain judgment without notice. We identify and negotiate these.
Interest Rate & Fee StructureTrue cost of capital, prepayment penalties, origination fees, and how the effective interest rate compares to New York usury limits — particularly in alternative finance products.
Collateral & Security ProvisionsWhat assets are pledged as collateral, how the security interest is perfected, and what the lender can do upon default — especially in blanket UCC liens.
Why Ainsworth Gorkin
Finance Counsel That Speaks Your Language.
Finance agreements are technical documents that require both legal expertise and an understanding of how these transactions actually work in practice. We bring both.
Drafted to Be Enforced
Because we also handle finance litigation, we draft agreements with enforcement in mind. Every provision — default triggers, notice requirements, acceleration clauses, collateral descriptions — is written to hold up in court and support swift recovery when a borrower defaults.
1
Litigation-Informed DraftingWe've litigated finance disputes — so we know which provisions matter most when things go wrong and draft accordingly.
2
Alternative Finance ExpertiseMCA agreements, revenue-based financing, and non-bank lending products — we understand how they work and where they create risk.
3
Flat Fees for Agreement ReviewFor standard agreement review and red-lining, we offer flat fee arrangements so you know the cost before we start.
4
Partners on Every MatterLevi or Shaya reviews your agreement directly — not a paralegal or junior associate.
5
Free Initial ConsultationWe'll discuss your agreement, identify the key issues, and tell you what review will cost before you commit.
Finance agreement to draft or review? Let's talk.
Free consultation. Flat fees available for agreement review. No commitment required.