Timothy W. Bratcher

Timothy W. Bratcher focuses his practice on domestic and international lending and financial transactions, including asset-based and cash flow lending, accounts receivable financing secured and unsecured commercial loans, equipment leasing, and loan syndications and participations.

Tim has over 20 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.

Concentrations

•Banking and finance
•Lending
•Borrower, workouts, Chapter 11 debtor representations

Recognition & Leadership

Awards & Accolades

•Listed, Super Lawyers magazine, Georgia Super Lawyers, 2020
•Listed, The Best Lawyers in America, Banking and Finance Law, 2020
•Listed, IFLR1000, Highly Regarded (Georgia), Banking, 2018-2020
•Listed, Chambers USA Guide, 2014-2020
•Listed, Acritas Stars Independently Rated Lawyers, “Star Lawyers,” 2019-2020