Taking 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.
Who We Represent
Who We Represent
Commercial Lenders
Outside counsel to Florida community banks and private lenders, for mortgage loans and for facilities secured by business assets. Loan documentation, title insurance through The Fund, and closing — an integrated practice from commitment through recording.
Commercial lending practiceIndividuals & Private Clients
Counsel 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 practiceClosely Held Businesses
Lines of credit and term loans secured by the business’s assets, real estate, entity formation, and the multi-property holding structures that develop as a business grows. The firm’s long relationships with senior lending officers at Florida community banks inform this work.
Corporate & entity practiceHow the firm practices
An extension of the lender’s standard.
At the closing table, the borrower sees the bank through its counsel. The firm closes every loan with the lender’s reputation in mind as well as its own.
The standard does not vary.
A $500K line of credit gets the same document review as a $25M facility: every closing package is checked for cross-document consistency before anything is signed.
Counsel, title agent, closing agent.
The firm documents the loan, issues the title policy through The Fund, and conducts the closing — one accountable file from commitment to recording.
- 1992Year founded
- 250+Matters per year, five-year average
- $255MTitle insurance issued, 2025
- Top 100of 4,000+ Fund member firms — President’s Circle, 2025
About the Firm
Founded in Coral Gables in 1992.
Carlos Garcia, P.A. was founded by Carlos Garcia, Sr., whose career includes more than fifteen years on the board of International Finance Bank, a Coral Gables commercial bank. The firm has spent decades closing for Florida banking institutions — and for the principals and businesses they finance.
Practice Areas
Practice Areas
- Commercial Real EstateAcquisition, disposition, financing, and restructuring of Florida commercial property.
- Commercial LendingOutside counsel to Florida banks and private lenders, from term sheet through recording.
- Commercial & Industrial LendingLines of credit, term and equipment loans, and guidance lines secured by a business’s assets.
- Title & ClosingsAttorney-issued title insurance through The Fund — examination, underwriting decision, and closing in one counsel’s hands.
- Residential Real EstatePersonal residences and investment properties of the principals the firm represents.
- Corporate & Entity FormationFlorida LLCs, holding structures, and the entity governance lenders require.
Representative Matters
Representative matters
Client identities are confidential; amounts are rounded. A prospective client may not obtain the same or similar results.
$80M renewal and modification of two revolving credit facilities to four affiliated borrowers — secured by four Miami-Dade office properties.
2026$35M revolving line of credit to a medical-center operator — secured solely by a first lien on all business assets; lender’s counsel and settlement agent.
2026$5M equipment guidance line and $6.25M term loan to an event-equipment rental company — advances against invoices, each amortized over sixty months; landlord and collateral-access agreements.
2026