Kira L. Mineroff

Kira L. Mineroff

KEER-uh MIN-err-offPartner

Kira Mineroff helps businesses run and grow by structuring, negotiating, and analysing debt facilities for acquisitions, distributions, refinancings, liquidity, and other working capital needs.

Her practice covers a wide range of leverage finance solutions for private and public company borrowers and private credit funds, including secured, unsecured, unitranche, first lien/second lien and senior/mezzanine structures, in the forms of term loans, revolvers, asset-backed loan facilities and bridge loans. Kira also represents debtors in connection with out-of-court restructurings and debtor-in-possession financings; private credit funds with distressed debt trades; and sponsors and issuers in connection with structuring securitizations and warehouse facilities.

Kira's experience extends across a variety of industries, including financial services; professional and business services; consumer goods, food and retail; technology; and industrials.

Kira is the Finance Capability Co-Lead – Borrowers/Debtors, the Co-Chair of the Annual Evaluation Committee and a delegate to the Leadership Alliance for Women. Kira is also a firm liaison to Women in Funds and the National Association of Women Lawyers (NAWL) and a member of NALW's financial services affinity group.

Bar admissionsNew JerseyNew York


Representative Matters
  • IG Design Group PLC, an England-based designer and manufacturer of greetings cards, gift wrap, Christmas crackers, gift bags, partywares and other celebration products, in connection with its US$125 million senior secured ABL credit facility with HSBC Holdings PLC and NatWest Group PLC. The deal was structured to provide an innovative global financing solution that balances bank security while limiting the overall administrative burden of the company.
  • The Hagerty Group, LLC, a specialty insurance company, in its execution of an amendment to a $230 million JPMorgan credit facility in order to provide for additional flexibility in the company’s operations. The amendment, among other things, added three new UK co-borrowers, new and increased covenant baskets, the ability to designate unrestricted subsidiaries, and various other amendments supporting the capital and operational needs of the company's Broad Arrow financing business. We also assisted with its reinsurance subsidiary’s US$25 million unsecured term loan credit facility from State Farm Mutual Automobile Insurance Company.
  • HSBC UK Bank plc, as lender and joint lead arranger, and HSBC Bank USA National Association, as agent, in connection with a senior secured credit facility to a staffing and recruiting business. The lender group consisted of U.S. and UK banks. The borrower used the loan proceeds to refinance debt and for working capital.
  • Verra Mobility Corporation with amendments to its subsidiaries' first lien term loan and ABL credit facilities with Bank of America, which, among other things, established a US$250 million incremental term loan. The company used the proceeds of the loans, together with cash on hand, to acquire T2 Systems Parent Corporation, providing the company with an integrated suite of parking software and hardware solutions, rounding out the company's portfolio of urban mobility technology and diversifying its customer base.
  • A private credit fund as arranger, administrative agent and last-out lender of senior secured revolving and term loan facilities to middle-market borrowers with private equity sponsors, the proceeds of which the borrowers use for acquisitions and working capital.
  • A private credit fund as borrower under net asset value credit facilities from Ally Bank in a multimillion-dollar amount across multiple funds, the proceeds of which the funds used to originate loans.
  • An international producer and distributor of medicinal and recreational cannabis based in Ontario, with its US$120 million credit facility with Bank of Montreal, consisting of a US$20 million revolver and a US$100 million term loan.
  • An investment management firm in connection with distressed debt trades based on LSTA forms.
  • Appvion, Inc., a paper company, with its US$85 million debtor-in-possession financing, agented by Wilmington Trust National Association.
  • A Cayman reinsurance company with a US$75 million letter of credit facility provided by CIBC Bank USA.
  • Cross River Bank as agent and senior lender, with its US$45 million senior secured warehouse facility to a sale-leaseback provider, secured primarily by commercial real property.
  • A private credit fund in connection with its short-term senior secured bridge loan to a newly formed SPV, the proceeds of which were used to acquire a subordinated tranche of mortgage debt securities, which in turn secured the loan.
  • US$75.0 million private placement of 8% Senior Secured Notes for Trulieve Cannabis Corp., a leading and top-performing cannabis company in the U.S.
  • An information technology business services company, with its senior secured credit facility with Bank of America. The facility consisted of a US$75 million revolver and a US$45.5 million delayed draw term loan, the proceeds of which are to be used to refinance existing debt, make payments under the company's subordinated debt facilities and for permitted buybacks. 
  • Various senior secured revolving warehouse facilities for SPE subsidiaries of Opportunity Financial, a leading financial technology platform that powers banks to help everyday consumers gain access to credit.
  • Philip Morris International Inc., a multinational tobacco company, in its amendment and extension of its $1.75 billion revolving credit facility with Citibank as administrative agent, extending the maturity date of the facility, joining new syndicate lenders and updating certain SOFR terms and with adding a major financial institution as a dealer to its commercial paper program.
  • J.D., New York University 2010
  • B.A., History, University of Delaware 2007

Pro Bono

Kira focuses her pro bono practice on representing not-for-profit corporations with corporate governance matters, on assisting victims of domestic violence with U-Visa petitions and with assisting individuals with expungement.  She also volunteers with the New York State Unified Court System’s Access to Justice initiative.  Kira is a recipient of a Legal Services of New Jersey Equal Justice Medal (2023).

Media Mentions



+1 212 335 4932
(Work, New York)
+1 215 407 0550
(Mobile, New Jersey (Short Hills))