About Joseph Topolski

For more than 25 years, Joe Topolski has helped banks, captive finance companies, independent specialty finance companies, private equity and hedge funds, and other financial entities obtain financing for their portfolios of consumer and commercial loans and other financial assets. Finance companies in a wide range of industries, including automotive, commercial equipment, marketplace lending and small business lending, rely on Joe's broad knowledge of the market to help them obtain cost effective, efficient and innovative solutions to their financing needs.

Practical solutions and a business-smart approach

Joe understands the importance to all parties in getting the deal done, and is well-known for his ability to come up with practical solutions and proactively manage the process to ensure smooth transaction execution. In addition to spending over two decades as outside counsel, Joe also spent a portion of his career as in-house counsel for a leading captive finance company. As a result, he has unique insights into issues facing finance companies beyond the immediate financing transaction, as well as the issues that concern their counterparties in the transaction. These insights, coupled with his years of experience, mean he can spot and avoid roadblocks that could otherwise cause delays.

Joe's clients range from large public companies doing $1 to $2 billion financings to smaller private companies doing $50 to $100 million financings, involving a wide range of asset classes, including auto loans and leases, dealer floorplan finance loans, equipment loans and leases, small business loans and merchant cash advances, litigation and medical finance loans, and personal loans. Because he has worked with a wide variety of asset classes, Joe is able to able to use concepts for different sectors of the structured finance market to develop innovative solutions for his clients.

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Practice Focus

  • Public and private, domestic and cross-border, asset-backed securities (ABS) offerings
  • SEC registration statements, filings and compliance
  • Committed asset-backed financing and warehouse facilities, including term and variable funding note transactions
  • Existing asset and future flow transactions
  • Single-seller and multi-seller commercial paper conduit transactions
  • ISDA derivatives transactions for hedging asset-backed financings
  • Financial regulatory compliance advice, including under Regulation AB II, the Dodd-Frank Act and Basel III

Presentations and Events