About the Firm
Taking a Business Approach to the Practice of Law
Carlos Garcia, P.A. is a Coral Gables firm founded in 1992 by Carlos Garcia, Sr., whose career includes fifteen years of service on the board of a Florida 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.
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. The firm is built around the relationship, not the transaction.
How We Work
We close on the lender's timeline. Decades of working alongside Florida banks have produced closing-package conventions that match what the credit committee expects. 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 transaction encounters an obstacle — a title defect, a survey exception, a timing constraint — our practice is to identify the path through it and put it in front of the client with a recommendation.
Representative Matters
Client identities are confidential; amounts are approximate. A prospective client may not obtain the same or similar results.
$69.5M multifamily loan modification (2026) — with a $10.5M companion facility across four borrower entities, modified in parallel.
$40M sale of a Central Florida commercial property (2016) — seller's counsel through contract, title, and closing.
$27.8M in loan modifications for an operating company's distribution-center facilities (2026) — two facilities, $16.4M and $11.4M, closed in parallel.
$24.5M acquisition financing of a South Florida development site (2021) — modified in 2024 as the project advanced.
$18M automotive dealership acquisition financing (2019) — franchisor subordination, OEM lender IP recovery rights, cross-collateral provisions.
$15M revolving credit facility secured by pledged investment holdings (2018) — trust and foreign-entity parties, opinions of counsel, covenant structure tied to borrower liquidity.