Ross J. Kirchick
Chair, Commercial Finance and Banking Practice Group
Overview
“Ross is a strong advocate for clients, offering excellent guidance and service. He excels at handling complex matters.” – Benesch Client, Chambers USA
Ross focuses his practice on representing banks, financial institutions, borrowers (including profit and not-for-profit) and investors in connection with commercial lending and finance transactions.
He has considerable commercial lending and finance transaction experience handling loan documentation, modification, maintenance and administrative, as well as workouts and recapitalizations in a wide range of complex financing structures, including health care lending, letters of credit and bond financings, syndications, asset-based lending, secured party sales, debtor-in-possession financing, venture capital transactions and other leveraged buy-out transactions.
Health Care & Life Sciences
Ross Kirchick is Chair of the firm’s Commercial Finance & Banking Practice group. Ross has considerable commercial lending and finance transaction experience handling loan documentation, modification, maintenance and administrative, as well as workouts and recapitalizations in a wide range of complex financing structures, including health care lending.
Health Care Lending Experience
- Represented National Bank in $45,000,000 senior credit facility to hospital systems to facilitate settlement, including term loan and working capital facilities.
- Represented Agent in a syndicated $100,000,000 senior real estate credit facility to nursing home owner/operator composed of 15 real properties in 4 states and subsequent sale of properties to a REIT.
- Represented Agent in syndicated $78,000,000 senior financing to nursing home owner/operators consisting of working capital and term loan facilities, included multiple borrowers and ownership groups and multiple real properties.
- Represented two national banks as co-agents in a $50 million senior loan facility to a nursing home owner and operator.
- Served as bond counsel and letter of credit bank counsel in connection with a $20 million taxable bond issuance backed by a letter of credit, to finance the construction and acquisition of several nursing homes.
- Representation of a national lending institution as agent in a syndicated $85 million senior credit facility provided to a global health and beauty product manufacturer.
Featured endorsements
Experience
Represented an ESOP-owned mining and tunneling contractor in a term loan and revolving credit facility with a regional lender, including refinancing of ESOP seller notes and multistate real property mortgage and collateral matters.
Represented a national bank in an amended and restated credit facility, including a revolving line of credit, term loan, swing line, accordion feature and subordinated shareholder debt.
Represented Cyprium Investment Partners in connection with the refinancing of Remprex, Inc. This refinancing transaction involved the participation of both new and existing investors, including BTG Pactual U.S. Private Credit Investments.
Represented a national lending institution in connection with $315 million syndicated credit facility to a lumber-related company.
Represented a national lending institution in connection with $17.5 million senior secured asset-based credit facility to a leading furniture manufacturer in connection with the acquisition by private equity funds and mezzanine financing.
Representation of a senior lending institution in connection with a $150 million consolidation and refinancing of 25 nursing homes in 5 states.
Representation of a subordinated debt fund in a subordinated debt facility of $6 million plus warrants in connection with the refinance of a company in the restaurant business.
Representation of collateral and administrative agent in connection with a $140 million asset based credit facility which included $75 million line of credit and $40 million in term debt to support international acquisitions.
Representation of a national lending institution in a $300 million senior asset based credit facility to international manufacturer and distributor of hand sanitizer, soap and household products.
Representation of a national bank in connection with direct purchase of bank qualified bonds in amount of $45 million to refinance and provide buildout construction financing for a large nursing home.
Representation of a subdebt fund in connection with $5 million subordinated note and $3 million equity company investment in connection with the acquisition of a family office acquired chemical and plastics business.
Represented a national lending institution in connection with $57 million syndicated credit facility to finance acquisition of various health care companies.
Representation of national lending institution in connection with $73.4 million syndicated credit facility to finance acquisition of 6 nursing homes in Ohio.
Representation of a private equity sponsor in connection with the financing related aspects of $80 million acquisition of a Florida based business sin the pre-fabricated housing market.
Representation of a national bank in connection with a $100 million syndicated credit facility to finance the acquisition of 13 nursing homes in Kentucky.
Representation of a national lending institution in a $300 million senior asset based credit facility to international manufacturer and distributor of hand sanitizer, soap and household products.
Representation of a national bank in connection with forbearance, liquidation and wind-down of troubled company in the staffing and recruiting industry related to the $40 million working capital senior financing piece, including intercreditor issues culminating in a secured party sale.
Representation of a private equity fund in connection with the $300 million senior and $300 million senior and $100 million senior lien credit facilities associated with the acquisition of a company in the aftermarket truck business.
Representation of a national lending institution in a $65 million cross-border U.S. and U.K. asset based lending facility to finance a sponsor backed acquisition of a distribution company.
Representation of a subdebt fund in connection with $5 million subordinated note and $3 million equity company investment in connection with the acquisition of a family office acquired chemical and plastics business.
Representation of a national bank in connection with a $100 million syndicated credit facility to finance the acquisition of 13 nursing homes in Kentucky.
Representation of a national lending institution in a $65 million cross-border U.S. and U.K. asset based lending facility to finance a sponsor backed acquisition of a distribution company.
Representation of a private equity sponsor in connection with the financing related aspects of $80 million acquisition of a Florida based business in the pre-fabricated housing market.
Representation of a senior secured lender in $40 million asset based working capital and acquisition financing provided to a leading private equity owned work apparel portfolio company.
Representation of a subordinated debt fund in a subordinated debt facility of $6 million plus warrants in connection with the refinance of a company in the restaurant business.
Representation of a national lending institution in connection with the receivership of a troubled borrower and formulated a strategy to effectuate a going concern sale while forbearing on a judgment entry obtained by such a lending institution.
Representation of a national bank in connection with direct purchase of bank qualified bonds in amount of $45 million to refinance and provide buildout construction financing for a large nursing home.
Representation of a private equity fund in connection with the $300 million senior and $100 million senior lien credit facilities associated with the acquisition of a company in the aftermarket truck business.
Represented a national lending institution in connection with $175 million syndicated credit facility to one of the world’s leading merchants of primary and secondary non-ferrous metals.
Representation of a national lending institution in a $250 million senior asset based credit facility provided to a lumber company with real property in 35 states.
Representation of a national bank in connection with forbearance, liquidation and wind-down of troubled company in the staffing and recruiting industry related to the $40 million working capital senior financing piece, including intercreditor issues culminating in a secured party sale.
Representation of a senior lending institution in connection with a $150 million consolidation and refinancing of 25 nursing homes in five states.
Representation of a national bank in connection with a $20 million senior secured asset based credit facility to a family of companies in the satellite industry in connection with the acquisition by a private equity fund of such family of companies and the provision of an Export-Import Bank credit facility related to same.
Represented a private equity buyer in its acquisition of a provider of consulting, staffing and compliance services for higher education institutions.
Representation of mezzanine lender in connection with mezzanine financing and equity co-investment to the company in the emergency home renovation market in order to provide funds to add on acquisition.
Representation of a manufacturing company of baking and household kitchen utensils in refinancing to new senior asset based lending facility and customer factoring financings.
Represent a private equity fund in asset based lending refinancing of a platform company in the technical consumer products space.
Representation of National Bank in connection with a $50 million asset based revolving credit facility to a coal producer involving a split collateral deal with crossing first and second liens.
Representation of a national bank in connection with $75 million financing to enable spin off of a minerals and gems company from a larger international conglomerate.
Representation of a national lending institution in connection with $100 million tax exempt bond revolving liquidity facility to a major hospital system, including implementing the facility into a master trust indenture structure and handling of various intercreditor issues.
Representation of a national lending institution in connection with modifications to syndicated credit facility to a cleaning and sanitizing products manufacturer, including a new $161 million equipment finance facility.
Represented borrower in an amendment to its credit facility to add an incremental term loan for purposes of financing an acquisition of a distributor of customizable shoe inserts and antimicrobial shoe insert cushions.
Representation of a national lending institution in connection with syndicated credit facility to a home products manufacturer.
Representation of a private equity firm with respect to workout and restructuring of senior and mezzanine credit facilities for a California marketing company.
Representation of a private equity firm in connection with $75 million secured credit facility related to the acquisition of a manufacturing company.
Representation of a senior lender in connection with $100 million syndicated credit facility to a nursing home owner and operator.
The deal involved crossing liens, intercreditor issues, and unique mineral collateral issues.
No results found
Credentials
Education
- with honors
- with great distinction
Clerkships and Bar Admissions
More
- Listed, Best Lawyers® “Lawyer of the Year”, Commercial Finance Law, 2021, 2022, 2023, 2025, 2026
- Listed, The Best Lawyers in America®, Commercial Finance Law, 2012-2025
- Listed, Chambers USA Leading Lawyers, Banking & Finance, 2007-2025
- Listed, Super Lawyers – Rising Stars 2007, 2010, 2013
- Listed, Ohio Super Lawyers, 2015-2021
- Listed, IFLR1000, 2021-2022
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