Jen Howard

Jen Howard advises clients across the entire United States in connection with asset-based financing transactions, with a focus on equipment finance and energy generation project finance. Her experience in the equipment finance industry includes all phases of structuring and documenting true leases, leases intended as secured financings, and equipment loans, including a variety of equipment types.  Ms. Howard’s experience in the energy industry includes advising clients in connection with construction loans, term loans, and other types of financings related to energy generation facilities, such as anaerobic digesters, landfill gas-to-energy facilities, solar facilities, and natural-gas-fired plants.

REPRESENTATIVE MATTERS

• Represented banks and bank subsidiaries in connection with direct origination of equipment leasing and finance transactions across the Southeast, including preparation and negotiation of transaction documents, due diligence, and closing
• Prepared fifty-state surveys for multiple equipment leasing and finance companies on a variety of relevant topics, including lender licensing, lessor licensing, usury, motor vehicle titling, and landlord lien issues
• Created equipment leasing and finance forms for, and provided guidance on various topics impacting, multiple nationally active equipment leasing and finance companies
• Represented lender in refinancing of $58.5 million portfolios of equipment leases, installment sales contracts, and other equipment financings
• Served as local counsel representing banks and other equity investors in multiple financings of utility-scale solar facilities, including sale-leaseback transactions
• Represented lender in connection with a $40 million landfill gas-to-energy project financing in California
• Represented lender in connection with a $6.1 million natural-gas-fired energy generation facility in Maryland
• Represented lender in connection with a $10.4 million anaerobic digester project financing at a cattle farm in California
• Represented lender in connection with a $16.8 million project financing of a natural-gas-fired energy generation facility in Alaska
• Represented lender in connection with a $4.15 million anaerobic digester project financing located at a wastewater reclamation facility in California
• Represented lender in connection with a $7.6 million landfill gas-to-energy project financing in Washington

PUBLICATIONS

• “Six Common Mistakes in Drafting Collateral Descriptions,” Monitordaily (January 2017)
• Co-author – “Part Two: Challenges in Solar Equipment Finance,” Law Journal Newsletters’ Equipment Leasing, Volume 35, Number 9 (October 2016)
• Co-author – “Part 1: Challenges in Solar Equipment Finance,” Law Journal Newsletters’ Equipment Leasing, Volume 35, Number 8 (September 2016)
• Co-author – “Alabama: Embrace Cleantech,” Birmingham Business Journal (November 2015)
• “Don’t Get Blinded by a Lessor’s Fraud,” Monitordaily, Opinion Blog (May 2015)
• “Data-Collecting Equipment and Privacy – Be Aware of the Risks,” Monitordaily, Opinion Blog (May 2015)
• Co-author – “Pruning the Rose Bush . . . Use Careful Consideration When Drafting Collateral Descriptions,” Monitordaily (January/February 2015)
• “Usury Savings Clauses May Not Save Your Loan Documents,” Monitordaily, Opinion Blog (January 2015)
• Co-author – “Does a Rose By Any Other Name Smell as Sweet? Drafting Collateral Descriptions That Pass the Sniff Test,” Monitordaily (November/December 2014)
• “Identity Indemnity Issues,” Monitordaily (July/August 2014)