Timothy W. Bratcher focuses his practice on domestic and international multicurrency lending and financial transactions, including accounts receivable financing and factoring, secured and unsecured commercial loans, equipment and synthetic leasing, loan syndications and participations, and aircraft financings.

Tim has nearly twenty years of experience representing banks and other credit providers in structuring, negotiating and closing most forms of credit arrangements on both syndicated and single-lender platforms, including traditional asset-based lending, secured and unsecured cash flow transactions, and receivables financings (including recourse and non-recourse factoring, invoice discounting, and true-sale transactions). Many of these transactions involve acquisitions, second lien, mezzanine, and secured and unsecured subordinated debt, multicurrency, and cross-border components. Tim is experienced in many industries, including the manufacturing, technology, wholesale and distribution, transportation, and energy sectors. He has also represented public and private companies as borrowers and has experience in equipment leasing, export-import financings, letter of credit facilities, loan participations and lender finance.