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Essex County, New Jersey, Commercial Finance Lawyer

Oftentimes, banks and other commercial lenders have lending documentation issues that are beyond their in-house scope. When this happens, they turn to a lawyer like me who has experience dealing with those issues.


For Lending Issues, Rely on Experience, Knowledge and Professionalism

I assist lenders in documenting the loan offered to their customers to assure that the interests of the lender are protected.

I work with borrowers in understanding the loan transaction that the lender is offering to them.

Experienced Attorney Assists With Real Estate Loans

Even though the market is down, buyers are still borrowing for commercial and residential properties, and lenders are still lending the money to purchase or refinance these properties. My firm works with a number of buyers and lenders in New Jersey. My job is to create the paperwork for a solid deal for you.

Having represented both lenders and borrowers sets me apart from the general practitioner. I understand and protect the rights of both the lender and borrower in these loans.

Help With Federal and New Jersey Government Guaranteed Loans

Different government programs offer funding for commercial projects — Small Business Administration /(SBA) 504 loans, New Jersey’s Corporation for Business Assistance (CBA) and Economic Development Authority (EDA).

To the individual in need of financing, the money is there, but the paperwork involved in the loan process can be daunting. I have extensive experience in these kinds of loans and can help you through the entire process.

To the lender, I understand the intricacies of the governmental loan process and strive to make these loan transactions clear and affordable for your borrowers.

Asset-Based Financing Attorney Serving Clients in Essex, Union and Morris Counties

As it becomes harder to borrow for business plans, asset-based financing is making a comeback. An applicant’s credit rating is less important to lenders than an accurate appraisal of their collateral — usually merchandise or equipment. My firm prepares the loan documentation to facilitate this kind of loan.

Essex County, New Jersey, commercial finance attorney Joanne M. Sarubbi can help with your special lending transactions. E-mail her or call her at 973-671-1430.