Joe Ricotta represents financial institutions and other entities in a wide variety of transactional and commercial financing-related matters, including the representation of financial institutions in connection with senior and subordinated debt facilities, secured and unsecured single bank and syndicated credit agreements, and acquisition financings.

    Prior to law school, Joe worked for a consulting firm where he assisted companies in securing early-stage growth capital. Joe’s responsibilities also included conducting due diligence for an angel investment group and venture fund.

    While attending Case Western Reserve School of Law, Joe externed for the Federal Trade Commission where he investigated unfair and deceptive business practices and drafted legal memoranda. He also clerked for a Cleveland-based law firm where he represented corporations with respect to a broad range of matters including drafting and negotiating employment agreements, lease contracts, debt instruments and other related corporate documents.

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    • Represented a major Midwestern promotional wholesaler and distributors with offices throughout the US and Puerto Rico in a US$150 million asset-based revolving credit facility, with an option to increase financing amount up to US$175 million.
    • Represented borrowers in an aggregate US$1.175 billion unsecured credit facility consisting of a term loan facility and a revolving loan facility. Proceeds of the term loan facility were used to repay and retire the borrowers’ US$300 million public notes.
    • Represented a major Midwestern bank in an asset-based credit facility for multiple borrowers providing behavioral healthcare-related services to patients in the Midwest in connection with the concurrent acquisition of the majority ownership in such borrowers by various private equity firms.
    • Represented a leading US supplier of electronic ambulatory infusion pumps and associated disposable supply kits to oncology clinics, hospital outpatient, and chemotherapy clinics, in the negotiation of a US$45 million asset based revolving credit facility secured by personal property of the borrowers.
    • Represented a major Midwestern bank, as administrative agent, in connection with a US$300 million senior secured syndicated credit facility for an auto industry borrower.
    • Represented a prominent Western bank, as administrative agent, in a US$60 million senior secured financing for a nationwide motorcoach charter company, used to finance its acquisition of related bus transportation companies and additional motor coaches for fleet replenishment.
    • Represented a major Midwestern bank, as administrative agent, in a syndicated US$50 million facility consisting of a US$12.5 million revolving credit facility and US$37.5 million term loan facility, secured by both domestic and foreign collateral, for a leading developer and supplier of electronic table gaming products.
    • Represented a prominent US commercial bank, as administrative agent, in connection with a US$30 million single-draw term loan facility to a large US restaurateur and marketer of breakfast products.
    • Represented a major Midwestern bank in a US$44.6 million asset-based facility to three affiliated borrowers in the supply chain management and transportation logistics industry.
    • Represented one of the largest domestic commercial banks, as administrative agent, in the negotiation of four secured, cross-collateralized, syndicated, construction loan facilities having an aggregate loan amount of US$82 million.
    • Represented a major Midwestern bank, as administrative agent in a syndicated US$76 million credit facility consisting of a US$35 million revolving credit facility and US$41 million term loan facility for a leading sportswear company.
    • Represented a public environmental solutions company, as borrower, in a syndicated US$24 million term loan facility used as part of a comprehensive restructuring of the borrower’s outstanding indebtedness.
    • Represented a private equity sponsor in connection with a secured credit facility comprised of senior debt in the aggregate principal amount of US$12 million and subordinated debt in the amount of a US$4 million.
    • Represented a major Midwestern bank in a US$2.5 million revolving credit facility and US$12 million term loan facility, the proceeds of which were used by the borrower to acquire in vitro fertilization clinics throughout the US.

    Education

    • Bowling Green State University, B.S., magna cum laude, 2009
    • Case Western Reserve University, J.D., magna cum laude, senior editor, Case Western Reserve Law Review, 2012

    Admissions

    • Ohio, 2012

    Courts

    • U.S. Dist. Ct., N. Dist. of Ohio, 2013
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