Outside counsel to Florida community banks and private lenders. Loan documentation, title insurance through The Fund, and closing — one integrated practice from underwriting through recording. Continuous institutional relationships for over two decades.
Commercial lending practiceCounsel for principals, investors, and their advisors on Florida real estate acquisitions, multi-property structures, cross-border holding entities, apostille and foreign-counsel coordination, and residential closings.
Real estate practiceCommercial financing, real estate, entity formation, and the multi-property holding structures that develop as a business grows. The firm maintains direct relationships with senior officers at Florida community banks and connects clients with the right lender for their financing.
Corporate & entity practiceTaking a Business Approach to the Practice of Law
Engaged to make the deal close. Retained because the relationship lasts.
Counsel for lenders and the principals they finance.
How the firm practices
An extension of the lender's standard.
At the closing table, the borrower's experience of the lender is the experience of the lender's counsel. The firm treats every closing as the lender's reputation, not its own.
The standard does not vary.
Every closing package is audited for cross-document consistency before execution. The same discipline applies to a $500K line of credit and a $25M commercial facility.
The relationship, not the transaction.
The firm's practice is built around repeat engagement — making the current deal close and maintaining the client relationship through the next one.
About the Firm
About the firm
Carlos Garcia, P.A. is a Coral Gables firm founded in 1992. On a Florida commercial loan, the firm documents the loan, issues the title policy through The Fund, and conducts the closing. It has served the same Florida banking institutions since the 1990s.
Practice areas
Commercial Real Estate
Acquisition, disposition, financing, and restructuring of Florida commercial property.
Commercial Lending
Outside counsel to Florida banks and private lenders, from term sheet through recording.
Title & Closings
Attorney-issued title insurance through The Fund; the firm signs every commitment.
Residential Real Estate
Personal residences and investment properties of the principals the firm represents.
Corporate & Entity Formation
Florida LLCs, holding structures, and the governance that supports active financing.
Representative Matters
Representative matters
Client identities and precise transaction amounts are confidential. A prospective client may not obtain the same or similar results.
$25M cross-lender commercial refinance — staggered syndication, intercreditor architecture, subordination agreements.
$19M medical-facility refinance — multi-tranche lender structure, multi-parcel title coordination.
Mid-eight-figure automotive dealership acquisition — franchisor subordination, OEM lender IP recovery rights, cross-collateral provisions.