Pacific Street advises lenders, borrowers, fintech companies, financial institutions, and investors on debt and structured finance transactions. Our lawyers have experience across asset-backed securitizations, warehouse facilities, forward-flow arrangements, commercial lending, and specialty finance, including the formation and structuring of the special purpose vehicles (SPVs) that sit at the center of many of these deals.

What we do

Asset-Backed Securitizations

Structuring, negotiating, and executing securitizations of consumer and commercial receivables, loans, and other financial assets, including bankruptcy-remote SPV issuers and true-sale structures.

Warehouse & Asset-Backed Financing

Warehouse credit facilities, borrowing-base structures, and other financing arrangements secured by financial assets, typically through SPV borrowers.

Forward-Flow & Loan Portfolio Transactions

Forward-flow agreements, whole-loan purchase programs, portfolio acquisitions, and related financing arrangements.

Structured & Specialty Finance

Funding structures for fintech companies, specialty finance platforms, lenders, and investors, including transactions involving emerging financial products and nontraditional asset classes.

Commercial Lending & Credit Facilities

Representation of lenders and borrowers in secured and unsecured lending transactions, revolving and term facilities, and related financing arrangements.

SPV Structuring & Transaction Documentation

SPV formation and governance, deal structure, collateral arrangements, risk allocation, credit agreements, security documents, servicing arrangements, and execution through closing.

Bank Partnerships & Lending Programs

Bank-fintech lending partnerships, loan origination and sale programs, and marketplace lending structures, including true-lender, rate-exportation, and state licensing considerations.

Frequently asked questions

What types of financing transactions does Pacific Street handle?

We advise on asset-backed securitizations, warehouse facilities, forward-flow arrangements, loan portfolio transactions, commercial lending, and other structured and specialty finance transactions. Our lawyers work with clients from initial structuring and negotiation through documentation and closing.

Do you represent both lenders and borrowers?

Yes, though never both sides of the same transaction. Our lawyers have represented lenders, borrowers, investors, and other financing participants. Having worked on each side, we understand what the other party is likely to prioritize and where there is room to negotiate.

Can you help structure a financing transaction as well as draft the documents?

Yes. We work with clients from the outset to evaluate financing structures, negotiate commercial terms, and address collateral and risk allocation. Because we have experience with these transactions, we start from tested precedents and forms rather than a blank page. That lets us move quickly on standard terms and focus on what is specific to your deal.

Do you work with fintech and specialty finance companies?

Yes. Fintech and specialty finance companies are a core part of our practice. We advise them on funding structures, SPV formation, warehouse facilities, forward-flow programs, securitizations, and financing for specialized financial assets. Newer financial products often need structures built around their underlying assets and business models rather than adapted from traditional lending forms.

How does Pacific Street use technology in financing transactions?

Technology supports document review, drafting, analysis, and transaction workflows, so our lawyers can move quickly. Experienced lawyers remain responsible for legal judgment and final work product. We use technology to cut unnecessary process, not to replace lawyers.

How does Pacific Street price debt and structured finance transactions?

We offer flat-fee pricing for many financing transactions, including SPV formation, so you have cost certainty from the start. Where the scope is less predictable, we work hourly against an agreed budget. Either way, we set the scope, pricing, and expectations upfront, so you know what you’re paying for.

Debt & Structured Finance