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Hil Jordan and Anthony Cianciotti Pen Article for The Secured Lender

April 25, 2017

Atlanta debt finance counsel Hil Jordan and Anthony Cianciotti wrote an article examining the decreased use of promissory notes in commercial loan transactions for the April issue of The Secured Lender magazine.

The article — "Do Lenders Really Need Promissory Notes?"— analyzed the historical benefits afforded by promissory notes, changes in law and practice that explain their decreased use, and the limited benefits that notes provide in today's legal world.

The authors explained, “In a world of more complex lending structures, and the increased reliance on signatures transmitted by e-mail in lieu of ‘ink’ signature pages, the limited benefits achieved through promissory notes may no longer warrant their continued use.”

The Secured Lender magazine is published by the Commercial Finance Association, the prominent trade organization for the commercial finance industry. The article is available to subscribers in the magazine’s print and digital editions.