Michael P. Gaffney

Banking & Finance, Global Trade Finance, Lending


Mike Gaffney is a partner in the Banking & Finance practice of the Charlotte office representing banks, funds, issuers, borrowers and other entities in structured finance and asset-backed transactions, asset-backed commercial paper conduit programs, fund finance facilities and related matters.

Mike regularly represents clients in connection with securitizations and asset-backed lending transactions using securitization style structures of trade receivables (including cross-border trade receivables), railcars and other equipment, peer-to-peer marketplace loans and other unsecured consumer/small business credit and a variety of other financial assets.

His asset-backed commercial paper conduit experience extends to representing sponsor-banks in connection with both program maintenance and conduit-funded transactions.

His fund finance experience includes representing banks, business development companies and funds in asset-backed lending facilities and capital commitment subscription facilities.


  • Washington and Lee University School of Law, JD, cum laude
  • St. Mary's Public Honors College of Maryland, BA, magna cum laude


  • North Carolina