Taking a Business Approach to the Practice of Law
About the Firm
Carlos Garcia, P.A. is a Coral Gables firm founded in 1992 by Carlos Garcia, Sr., whose career includes more than fifteen years of service on the board of International Finance Bank, a Coral Gables commercial bank. The firm represents commercial lenders, private clients, and closely held businesses in the structuring and closing of Florida real estate and commercial lending transactions, including business-asset credit facilities.
The firm acts as counsel, title agent, and closing agent on the same transaction — from entity formation and the title commitment through loan documentation, closing, and recording. Carlos Garcia, P.A. is a member of Attorneys’ Title Fund Services, LLC (The Fund). Its commercial lending practice has served Florida banking institutions for decades.
The firm spans two generations. The founding partner was admitted to The Florida Bar in 1985; the second generation, admitted in 2017 and 2018, maintains active practices in commercial closings, cross-border matters, and private-client work.
How We Work
After decades alongside Florida banks, we assemble closing packages the way credit committees expect to see them. Every package we produce is audited for consistency across all documents before execution — party names, loan amounts, legal descriptions, recording references, and dates cross-verified against the full package — which means fewer surprises at the recording desk and fewer post-closing corrections.
The attorney responsible for a matter handles all substantive communications directly; there is no intake queue and no intermediary layer between the client and the attorney on the file. When a title defect, survey exception, or timing problem turns up, we bring the client a recommended path through it — not just the bad news.
Recognition & Underwriters
Recognition and underwriters
Old Republic Title President’s Circle — 2025. Awarded to the top 100 of The Fund’s 4,000+ member firms statewide, by policies remitted.
The Fund Million Dollar Circle — 2022.
Old Republic Title Advisory Board, Eleventh Judicial Circuit — 2011–2017. Carlos Garcia, Sr. served on the title underwriter’s advisory board.
Issuing agent for Old Republic National Title Insurance Company and Stewart Title Guaranty Company.
Representative Matters
Client identities are confidential; amounts are rounded. A prospective client may not obtain the same or similar results.
Real Estate
$80M renewal and modification of two revolving credit facilities to four affiliated borrowers — secured by four Miami-Dade office properties.
2026$32M term loan to an individual investor and his operating company — secured by a waterfront residence and all business assets of the company; proceeds refinanced existing debt, funded the buyout of the company’s minority shareholder, and established interest and tax reserves.
2025$30M construction loan for a South Florida development project — as borrower’s counsel, closing agent, and title agent.
2024$27.7M in loan modifications on an operating company’s distribution-center facilities — $16.4M and $11.3M closed in parallel.
2026$25M credit facility to a family real-estate group, with companion facilities of $13M and $5M — secured by mortgages on multiple parcels and $17.6M of pledged cash collateral, with trust borrowers; renewed and modified annually.
2022–26
Commercial & Industrial
$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$15M revolving line of credit to a medical-device manufacturer — blanket lien on all business assets, with UCC filings in three states and a pledged restricted cash account.
2026$13.4M term loan and $5M revolving line to a healthcare-services group — secured by all business assets, with a participation by a second bank.
2023–24$10M revolving line of credit to a nonprofit community-health network — increased and restated, secured by all business assets.
2026$10M asset-based revolving facility to a stone and countertop distributor (a $12M facility modified to $10M) and a companion $5M mortgage loan, cross-defaulted — borrowing base on receivables and inventory, deposit-account control agreement, credit insurance, and field examinations.
2024$8M revolving line of credit to a beverage producer — borrowing-base availability, secured by all business assets.
2025
Lender Finance & Fund Facilities
$125M bank warehouse facility to a private real-estate lender — collateral and title review for the bank of more than 180 pledged loans across this and three similar facilities, individually up to $50M, with collateral in Florida, New York, and California.
2021–26$100M revolving credit facility to an opportunity-zone investment fund — secured by pledged cash collateral; with a companion $75M facility to an affiliated fund for a second bank.
2021–22
Guidance Lines
$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$2.5M vehicle and equipment guidance line and $4.5M revolving line to a facilities-services group with six co-borrowers — cross-defaulted facilities secured by all business assets.
2024$5.5M term loan and $400K guidance line to a fitness-studio franchisor — secured by all business assets, with an assignment of franchise fees and sixteen guarantors.
2024$2.75M revolving line and $1M guidance line to a vehicle-transport carrier — closed in stages and cross-defaulted; secured by all business assets.
2025–26