Francis C. Pray, Jr., is a partner of Nelson Mullins Riley & Scarborough LLP in Charlotte where he practices in the areas of banking, finance, real estate and business transactions, with a particular focus on syndicated lending transactions. Mr. Pray is a member of the Firm’s Corporate Group and is the leader of the Finance practice within that Group.

Mr. Pray has represented both financial institutions and borrowers in a wide variety of transactions in a broad range of industries, including equipment leasing, manufacturing, healthcare, telecommunications and media.

The co-author of Debt Financing for Technology Companies, Mr. Pray’s representative experience includes:

• Extensive transactional lending experience on a national basis, including syndicated finance (both broad syndications and "club" deals), single bank lending, asset-based and cash flow lending, subordinated and mezzanine lending, real estate finance, synthetic leasing, structured finance, and troubled debt workouts and restructuring.
• Extensive experience in real estate transactions, including purchases, sales, and leases of real property on a national basis, including environmentally contaminated properties.
• Substantial experience in general business transactions, including acquisitions and dispositions of businesses and negotiation of a broad variety of business contracts.

Active in the community, Mr. Pray is a member of the boards of advisors of the Charlotte Chamber of Commerce and the University of North Carolina School of Law Center for Banking and Finance.

Mr. Pray earned a Juris Doctor from the University of Virginia School of Law in 1989, and a Bachelor of Arts in Government and Psychology from the University of Virginia, College of Arts and Sciences, in 1986.