Fintech

Recent Brochure on Alternative to Mainstream: Download our report on Regulatory trends in funding SME growth in Europe, prepared by our European Capital Markets Group, which examines the latest regulatory developments and opportunities in European alternative finance and marketplace lending.

Cadwalader is a leading global advisor, and a recognized innovator in capital markets and structured asset based finance, with broad experience in marketplace lending and Fintech. Our lawyers advise clients on complex structured finance, securitization, fund formation and finance, consumer finance, mergers and acquisitions, corporate governance, leveraged and non-recourse finance, venture capital and private equity investment, intellectual property, and navigating the regulatory, data, and cyber-security complexities that arise in these transactions.

Cadwalader is uniquely positioned to represent both established and emerging Fintech clients and those that invest in or finance businesses involved in the Fintech sector throughout the full lifecycle from establishing a more permanent asset-based, dilution friendly capital structure to pursuing strategic financings and transactions to regulatory compliance and litigation matters.

Our capabilities include advising clients on a wide range of Fintech related matters and issues, including:

  • Private equity and venture capital transactions
  • Mergers and acquisitions
  • Joint ventures and strategic alliances
  • IPOs and other exits
  • Securitization
  • Warehouse financing
  • Fund formation and capital structure advice
  • IP advice, protections and litigation
  • Cybersecurity and data privacy compliance advice, analytics and litigation
  • Defense of AG, FTC, and other government enforcement actions
  • Navigating both the current and future regulatory landscape

See some examples of our recent Fintech and marketplace lending work.

Set out below are some examples of the experience and expertise of the team at Cadwalader:

  • Served as designated underwriters counsel for the underwriting syndicate of SoFi on three student loan asset backed securitizations, valued at $530 million, $500 million and $379 million
  • Represented Deutsche Bank as the arranger of a securitization backed by £130 million of loans to UK SMEs originated on the Funding Circle platform, which was the first public, rated securitization of marketplace loans in Europe
  • Represented a major bank in a revolving secured loan to a mutual fund, which invests in loans and makes crowdsourcing investments from 16 different platforms
  • Represented a major international bank in structuring and documenting a warehouse facility for SME loans originated on one of the leading peer to peer platforms
  • Represented a peer to peer platform in the structuring and negotiation of a warehouse facility with a major U.S. bank
  • Represented an investment fund in negotiations for direct investment in a variety of marketplace lending platforms across different asset classes, including consumer, trade receivables and mortgage assets
  • Represented a sponsor in the structuring, establishment and documentation of a peer to peer platform
  • Represented a leading investment bank in its majority acquisition of a company providing Enterprise and ASP technology solutions to the mortgage banking industry
  • Represented a hedge fund whose strategy focused on purchasing whole loans originated by a variety of marketplace lending platforms for subsequent securitizations
  • Represented a leading marketplace lender as the sponsor of a hedge fund whose strategy includes investment in whole loans and ABS paper
  • Represented a major U.S. bank on usury and licensing issues with respect to a $100 million facility secured by a portfolio of loans originated by a marketplace lender
  • Represented several major foreign banks on true lender, Madden, and rate exportation issues associated with loans originated by marketplace lenders
  • Represented numerous clients on usury, licensing, and disclosure issues associated with purchasing, servicing, and securitizing consumer loans of all types
  • Represented a newly established direct investment vehicle backed by a consortium of private equity funds that makes investments in trade receivables, supply chain finance, and factoring platforms
  • Represented The Blackstone Group in its acquisition of Lendmark Financial Services, a consumer lending business, from BB&T Corporation
  • Represented The Blackstone Group in its $277 million acquisition of Exeter Finance, a non-prime auto lender
  • Represented Bank United in its acquisition of the Small Business Finance Unit of CertusHoldings, specializing in SBA and USDA loans

NEWS

RESOURCES

30 Attorneys

Alin, Andrew P. Partner New York
T. +1 212 504 6889
Avergun, Jodi L. Partner Washington
T. +1 202 862 2456
Barnes, Cheryl D. Partner Washington
T. +1 202 862 2340
Baynham, Elaine Law Clerk New York
T. +1 212 504 6429
Beach, Joseph W. Partner Charlotte
T. +1 704 348 5171
Bell, Suzanne Special Counsel London
T. +44 (0) 20 7170 8549
Bley, Daniel Associate New York
T. +1 212 504 6865
Bloomingdale, Bruce C. Partner New York
T. +1 212 504 5600
Cammarn, Scott A. Partner Charlotte
T. +1 704 348 5363
Cuthbertson, Sophie K. Partner Washington
T. +1 202 862 2341
Day, Stephen Partner London
T. +44 (0) 20 7170 8535
Foster, Brian Partner New York
T. +1 212 504 6736
Gambro, Michael S. Partner New York
T. +1 212 504 6825
Gavin, Chris Partner New York
T. +1 212 504 6760
Goldstein, Stuart N. Partner Charlotte
T. +1 704 348 5258
New York
T. +1 212 504 6316
Howe, Mark P. Partner Washington
T. +1 202 862 2236
Jubin, Gregg Partner Washington
T. +1 202 862 2485
Kieburtz, Anna Associate New York
T. +1 212 504 6008
Leftley, Patrick Associate London
T. +44 (0) 20 7170 8536
Mehta, Dorothy D. Partner New York
T. +1 212 504 6846
Miller, Jed Special Counsel New York
T. +1 212 504 6821
Ridenour, David L. Special Counsel Washington
T. +1 202 862 2228
Schacter, Ira J. Partner New York
T. +1 212 504 6035
Schetman, Richard M. Partner New York
T. +1 212 504 6906
Spanheimer, Nathan Special Counsel Charlotte
T. +1 704 348 5195
Tompkins, Anne M. Partner Charlotte
T. +1 704 348 5222
Washington
T. +1 202 862 2496
Wagner, Jeremiah M. Partner London
T. +44 (0) 20 7170 8542
Wainwright, Jonathan M. Senior Counsel New York
T. +1 212 504 6122
Weaver, Nathan Associate London
T. +44 (0) 20 7170 8547
Yi, Soo Kyong Associate New York
T. +1 212 504 6797

Contact(s)

Cheryl D. Barnes
+1 202 862 2340 
cheryl.barnes@cwt.com
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Bruce C. Bloomingdale
+1 212 504 5600 
bruce.bloomingdale@cwt.com
v-card
Scott A. Cammarn
+1 704 348 5363 
scott.cammarn@cwt.com
v-card
Jeremiah M. Wagner
+44 (0) 20 7170 8542 
jeremiah.wagner@cwt.com
v-card

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