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Anthony "Tony" D. Todero

Simply spotting issues is insufficient; let’s identify and implement practical solutions.

Contact: P /612.604.6585E /[email protected]

Education

University of Minnesota Law School, J.D., magna cum laude

University of Minnesota, M.A.

University of Pittsburgh, B.A., cum laude

Bar Admissions

Minnesota

California

Nebraska

My Approach

Business and life are about relationships, and I bring that fundamental belief to every aspect of my work. I genuinely care about our clients and their success, so I strive to provide timely, responsive, cost-effective, and the highest quality service. One of the best parts about commercial lending is its collaborative nature; borrowers and lenders, despite being on opposite sides, both want the deal to close with a minimum of drama and delays. So let’s partner together to choose a realistic closing date, plan for the foreseeable, pivot when necessary, and land the plane smoothly and on time.

Above all else, I aim to be practical. I will never make a mountain out of a molehill, and I will work with clients to understand their goals, so I can resolve important issues or let unimportant issues slide. Together, we will identify practical solutions, weigh pros and cons, and achieve the optimal resolution.

Working with commercial lenders and borrowers is very rewarding because financial transactions make the world go around. Commercial loans are typically the lenders’ business, and for borrowers, loans help businesses operate, build new facilities, acquire needed equipment, expand into new markets or business lines, and generally grow. The work is therefore vital, not only for lenders and borrowers, but for the overall economy, which gives me great satisfaction.

Outside of work, I love cooking, camping, playing strategy games, and generally spending time with my spouse and our two daughters. I play the snare drum with bagpipe bands, so I’ll occasionally don a kilt, hang out with bagpipers, and try to maintain my hearing. I also play golf, just not very well.

Practice Areas

Practicing Commercial Lending

My Experience

I represent global, national, regional, and community banks, life insurance companies, and other institutional lenders in a variety of financial transactions, including commercial real estate and other asset-based lending, public and private finance on bond transactions, C&I loans, syndicated and club credits, loan participations, and senior and mezzanine financing. I also have significant experience representing borrowers, helping to negotiate loan transactions to fit the client’s business needs and aspirations.

I have closed many agricultural and agribusiness loans. And as a faculty member in the agricultural track of ABA Commercial Lending Schools and the Agricultural Lending Institute at California State University, Fresno, I have unique insight into agricultural lending issues.

Representative Matters

• Represent member-owned farm-credit cooperative to provide a $175 million line of credit to an ethanol marketing company.
• Represent dairy cooperative in connection with $220 million credit facilities, including construction of the largest single cheese manufacturing and processing line ever built.
• Represent regional bank with credit facilities, including mortgage loans, operating lines, and acquisition financing, to an industry-leading boat manufacturer.
• Represent one of Minnesota’s premier developers of commercial solar arrays in tax-credit and debt financing.
• Represented national bank in connection with $150 million syndicated credit facilities for one of North America’s largest dealers of farm equipment, involving 30 collateral properties in nine states.
• Represented one of the most active private agricultural lenders with a loan portfolio of over $15 billion on numerous farm and ranch loans.
• Represented non-profit corporation on $6.65 million tax-exempt recreational facility notes for acquisition and construction of leased portion of community center.
• Represented non-profit health care corporation on $17.615 million tax-exempt revenue notes for the acquisition and construction of independent living and memory care units.

Awards

The Best Lawyers in America©

Commercial Finance Law, 2025

Honors & Awards

The Best Lawyers in America©

Commercial Finance Law, 2025

Associations & Memberships

Risk Management Association, Minnesota Chapter

Director, Vice President & Chair of the Programming Committee, 2019–present

Risk Management Association, Midlands Chapter

Director, Membership Chair, 2017–2019

Ag Lenders Society of California

Director, Co-Chair of Education Committee, 2019–present

American Bar Association, Section of Real Property, Trust, and Estate Law

Articles Editor, Opinion Matters: The Newsletter of the Committee on Legal Opinions in Real Estate Transactions, 2018–2020