Jeffrey M. Monaco

Partner Buffalo

Since joining the firm in 2012, Jeff has focused his practice on representing lenders in a wide range of loan transactions, both regionally and nationally. From small business and middle-market lending to large syndicated and participated loans, he works closely with clients at all stages of the loan structuring, closing and post-closing process.

Jeff enjoys the variety of representing community and regional banks, national lenders and other types of financial institutions in commercial real estate loans, construction loans and asset-based loans. He also regularly represents foreign lenders in advising on U.S. collateral and security components of cross-border transactions.

Jeff also represents borrowers on the financial components of various development projects. He joins his fellow colleagues in the Corporate Practice Group to assist with a team-effort approach for some of the firm’s largest developer clients, both on a local and regional scale.

A frequent presenter at lender credit and loan approval committee meetings, Jeff has been recognized as an Upstate New York Super Lawyers® Rising Star.


Honors & Awards

  • Named Upstate New York Super Lawyers® Rising Star, 2016-2021
  • Greater Binghamton “20 in their 20s” Award Winner

Education & Admissions

  • State University of New York at Buffalo Law School, J.D., cum laude, 2010
  • State University of New York at Binghamton, B.S., magna cum laude, 2007
Admitted to Practice
  • New York
  • U.S. District Court, Northern District of New York


Representative Matters
  • Represented a national lender on acquisition financing for a business and real estate purchase in the greater NYC area, including a $14 million mortgage loan, $40 million borrowing base line of credit and $5 million demand line of credit.
  • Represented a community lender on construction-to-permanent and bridge loan financing for a $65 million mixed-use project in the City of Buffalo that included brownfield tax credits.
  • Represented a foreign lender with U.S. mortgages and personal property security across California, Georgia and Texas in connection with a foreign credit facility.

Activities & Professional Associations

Present Activities

  • Muscular Dystrophy Association, Volunteer

Past Activities

  • Zoological Society of Buffalo, ProZoo Board, Member

Professional Associations

  • American Bar Association
    • Business Law Section
  • Bar Association of Erie County
    • Banking Law Committee, Chair
  • Broome County Bar Association
  • Buffalo Niagara Partnership BN360, 2013-2014
  • New York State Bar Association
    • Business Law Section
    • Young Lawyers Section

Articles & Publications


  • Co-Author, “Every Penny Counts – Minimizing Mortgage Tax in Commercial Real Estate,” Buffalo Business First, April 2023
  • Co-Author, “Managing Lender Expectations in Cross-border Transactions,” Buffalo Law Journal, September 2017