Jeffrey Bingham represents private credit funds and nonbank lenders in structuring complex, asset-driven financings often involving bespoke collateral packages, atypical assets and highly customized borrowing base mechanics. He focuses on transactions where conventional lending frameworks do not readily apply, helping clients design structures that appropriately allocate risk and support execution.
Advising lender clients, Jeff structures and negotiates senior secured loans, specialty finance and NAV facilities, including recurring financings of bankruptcy-remote subsidiaries and other structured entities. His work frequently involves developing tailored borrowing base formulas, eligibility criteria and advance rate mechanics for nontraditional and highly structured collateral pools.
Jeff regularly handles specialty finance transactions across consumer finance, technology, healthcare, dental and franchised business models, and retail and consumer products and NAV financing transactions. His experience includes structuring asset-based facilities for platforms originating loans or other financial assets, as well as cash-flow financings where appropriate, including financings backed by consumer receivables, merchant cash advance participations, insurance-related assets and other specialty finance collateral.
A significant component of Jeff’s practice involves navigating complex lender dynamics, including first-out/last-out structures, agreements among lenders and bespoke subordination and intercreditor arrangements. He is frequently engaged on transactions that require creative approaches to priority, collateral sharing and enforcement, including multi-lender and cross-border contexts.
Jeff remains closely involved throughout the lifecycle of his transactions, particularly where diligence is intensive and structures are highly negotiated. His practice is defined by bespoke, non-cookie-cutter deals that demand careful structuring and execution to address unique asset classes and risk profiles, including in distressed and workout situations such as forbearances, restructurings and enforcement actions.
In his free time, Jeff enjoys spending time with his wife and children and playing golf.