Thomas K. Juffernbruch

Thomas represents commercial banks, asset-based lenders, major insurance companies, institutional investors, private equity and mezzanine funds, and other participants in the finance markets in negotiating, documenting, and closing a wide variety of domestic and cross-border commercial finance transactions.
Tom Juffernbruch

His work includes:

  • Leveraged buy-out and cash-flow transactions
  • Asset-based secured loans
  • Mezzanine and private equity transactions
  • Real estate mezzanine financing transactions
  • Debt restructurings and workouts
  • Privately placed financing transactions
  • Project and structured finance

Thomas also has significant experience in consumer financial services. He has represented banks, finance subsidiaries of motor vehicle manufacturers, and independent finance companies in the preparation and review of lease, retail installment sale and loan documentation, as well as the structuring, drafting, and negotiating of motor vehicle and equipment inventory financing arrangements.

Client Work

Representative transactions for which Thomas has counseled clients include the representation of:

  • The agent in the workout of a $60 million syndicated credit facility secured primarily by standing timber
  • The agent in a $100 million syndicated secured credit facility, including an acquisition loan facility, for a propane distributor
  • A national bank and its mezzanine fund affiliate in a $16 million secured credit facility for a manufacturer of bearings and assemblies, including U.S. dollar and Canadian dollar facilities and a mezzanine loan
  • A national bank in a $36.5 million secured credit facility, including subordinated debt, provided to a state-chartered bank
  • A packaging and container manufacturer in the origination of a $295 million syndicated secured credit facility and the issuance of $153 million of senior subordinated notes
  • A real estate mezzanine fund in a $10 million secured mezzanine loan to finance the construction of a condominium tower
  • The agent in the origination and workout of an $18 million syndicated secured credit facility for a printing company, including a debtor-in-possession loan in bankruptcy
  • The agent in a $31 million syndicated secured credit facility for a plastic dispensing system manufacturer
  • A grading, excavation and road construction general contractor in the origination and workout of an $85 million syndicated secured first lien credit facility and a $30 million secured second lien term loan
  • The agent in a $23 million syndicated secured credit facility for a candy distributor

Prior Work

From 1989 to 1992, Thomas served as a staff and senior auditor with Price Waterhouse in Chicago, where he participated in and supervised the audits of a diverse group of organizations, including a steel distributor and processor, a soybean processor and grain merchandiser and a diversified healthcare company.

Publications, Presentations & Recognitions


  • "Negative Equity in Trade in Vehicles: Regulation Z and State Law Developments," The Business Lawyer (May 2000)
  • "The New Approach to Trade in Vehicle Disclosures Under Regulation Z," The Business Lawyer (May 1999)
  • "State Law Response to the New Regulation M," The Business Lawyer (May 1998)
  • "Impact of the New Regulation M on State Motor Vehicle Leasing Disclosure Laws," The Business Lawyer (May 1997)


  • Illinois Leading Lawyer, Law Bulletin’s Illinois Leading Lawyers Network (2013-2021)

Boards, Memberships & Certifications

  • Certified Public Accountant (CPA)