Thomas Coughlin


Jaffe Raitt Heuer & Weiss, P.C.
27777 Franklin Rd., Suite 2500
Southfield, MI 48034
United States

Tel: 248-727-1391


Thomas Coughlin is a finance, corporate, and bankruptcy attorney. His primary practice consists of representing financial institutions and private lenders in all aspects of commercial loan originations, workouts, and bankruptcies. These include term loan lenders, equipment lenders, lines of credit, mortgage lenders, factors, and leasing companies. Thomas’ expertise extends to all aspects of lending, including drafting all loan and ancillary documents necessary to close a transaction. He also analyzes and advises on matters related to stock and asset acquisition financing.

Due to his background in bankruptcy, he is able to represent lenders in forbearance arrangements, surrender agreements and other workout matters outside of bankruptcy, and to represent lenders in bankruptcy cases involving, among other things, cash collateral, DIP lending, and automatic stay relief and dismissals.

Tom’s expertise extends to negotiating participation agreements, subordination agreements, inter-creditor agreements, purchase agreements, and landlord access agreements. Clients involved in an acquisition trust Thomas’ expertise and choose to engage him at the very beginning of the transaction to ensure timely and comprehensive advice on loan structures. Clients count on Thomas to watch for red flags on their behalf and help reduce overall risk, and they count on him for his honesty and commitment to their best interests. He takes pride in finding creative solutions to complex financing problems.

Thomas has been an adjunct professor at Wayne State University Law School, teaching General Bankruptcy and Advanced Chapter 11 courses. Thomas is the Co-author of Michigan Secured Transactions Under Article 9 of the Uniform Commercial Code: Forms and Practice Manual.

  • Wayne State University Law School
    • J.D., cum laude
    • Order of the coif
    • Associate Editor of the Wayne Law Review
  • University of Michigan
    • B.S.

The growth of your business demands acute strategy and extensive expertise to ensure strength, stability, and success well into the future. Being able to secure the right financing, under the right terms, at the right time can make all the difference in the world. That’s why having the right team by your side throughout the entire process matters.

At Jaffe, our substantial and wide-ranging collective experience enables us to thoroughly and efficiently meet the financial services needs of our clients in all business sectors—financial institutions, financial services industry participants, and other related businesses throughout the United States. We also advise private equity funds, hedge funds, and insurance companies, as well as companies seeking debt financing from financial institutions. We have expertise in all facets of the financial services industry, from finance transactions to business planning, structure, and regulatory compliance.

We represent clients in a wide array of transactions including syndicated, multi-tiered and securitized credit facilities, warehouse lines of credit, floor plan financing, secured and unsecured credit facilities, asset-based financing, real estate and construction financing, equipment leasing transactions, tax driven lease arrangements, private equity transactions, senior and subordinated facilities, workout transactions, tax credit financing, credit enhancements, swaps, collars and hedging products, and refinancing.

For our clients in regulated financial services businesses, we also advise on matters of local, state, and federal tax and regulatory compliance, including licensing, interpretation and application of consumer finance laws, privacy, data security and breach laws, identity theft, and disclosure issues.

Jaffe is a full-service business law firm in every sense. Our Finance team works closely with our Insolvency & Reorganization, Litigation, Real Estate, Mergers & Acquisitions, Tax, Litigation, Electronic Payments, Intellectual Property, and Environmental practice groups to anticipate and meet every potential client need. We consider ourselves long-term partners of and trusted advisors to businesses in navigating the challenges and opportunities that arise every day.

Michigan-based Jaffe Raitt Heuer & Weiss, P.C. is a full-service business law firm representing and advising entrepreneurs and businesses nationwide. Focused on results, invested in relationships and driven by opportunity, Jaffe has more than 100 attorneys in its Southfield, Detroit and Naples offices.

Our firm was founded in 1968 by entrepreneurially-minded attorneys with a common vision: to form a law firm dedicated to providing exceptional hands-on, responsive, and solutions-oriented legal services. While our practice has continually evolved to meet the changing needs of our diverse clients, both big and small, our tradition of excellence, success, and dedicated personal attention has remained as strong as ever. Jaffe represents the best of all worlds: the vast knowledge, experience, and resources of a large law firm with the personalized standard of care of a small one.