Herbert Smith Freehills Kramer represented the structuring agent and the initial purchasers in a $556,079,000 capital markets securitization of home improvement loans and elective patient services receivables. The transaction closed on November 5, 2025.

The HSF Kramer team consisted of Securitization and Structured Finance partners Gilbert K.S. Liu and Jamie Kocis, and associates Shazia Ahmad and Vivian Zhang; Tax partner Pamela M. Capps and associates Mariya Khvatskaya and Daniel Weiss; Executive Compensation and Employee Benefits partner Marissa Holob and special counsel Avram J. Cahn; UK partner Michael Poulton and associates Andrew Synnott and Lauren Land; and Paris partner Vincent Hatton, of counsel Sonia Rogez, and associate Mathilde Fauconnier

 

 

 

Key contacts

Gilbert K.S. Liu photo

Gilbert K.S. Liu

Managing Partner, Finance and Restructuring, US and Head of Securitization, US, New York

Jamie Kocis photo

Jamie Kocis

Partner, Head of Private Placements, Securitization, US, New York

Pamela M. Capps photo

Pamela M. Capps

Partner, Head of State and Local Tax, US, New York

Mariya Khvatskaya photo

Mariya Khvatskaya

Senior Associate, New York

Marissa J. Holob photo

Marissa J. Holob

Partner, Head of Executive Compensation and Employee Benefits, US, New York

Avram J. Cahn photo

Avram J. Cahn

Special Counsel, New York

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Americas Securitization and structured finance Gilbert K.S. Liu Jamie Kocis Shazia Ahmad Vivian Y. Zhang Pamela M. Capps Mariya Khvatskaya Marissa J. Holob Avram J. Cahn Michael Poulton Vincent Hatton Sonia Rogez Mathilde Fauconnier