Pamela J. Martinson

Martinson, Pamela J.


Palo Alto +1 650 565 7044
Los Angeles +1 213 896 6615

1001 Page Mill Road
Building 1
Palo Alto, California 94304
+1 650 565 7044

555 West Fifth Street
Los Angeles, California 90013
+1 213 896 6615

Admissions & Certifications

Pamela J. Martinson


PAMELA MARTINSON represents major institutional and other lenders, lessors, borrowers and equity sponsors. She possesses extensive experience in complex financings of all kinds, including syndicated lending transactions (secured and unsecured), equipment leasing, asset-based lending, unitranche loans, subscription finance and structured finance. Pam has experience in a wide variety of financing programs for power sports vehicles, including warehouse facilities secured by electronic chattel paper and forward flow programs for marketplace lenders. Her practice in large part centers on cross-border loans and security, marketplace lending, intercreditor relationships and lending to technology and growth companies, many within FinTech. Pam has been instrumental in developing loan and lease documentation for commercial lenders and equipment lessors and has experience in lease and loan financing of early-stage companies that include the issuance of warrants. She advises clients with respect to credit, workout and Uniform Commercial Code issues.

Pam also has more than ten years of experience as a banker and commercial lender. She was employed by an asset-based lender and a commercial bank in credit, credit management and sales positions. Pam was responsible for asset-based lending operations including credit analysis, collateral control and portfolio management. She developed and implemented workout arrangements for problem loans. Pam marketed private-label leasing programs to U.S. vendors of equipment, and sold and structured tax-advantaged leases on behalf of a bank leasing company.

With her business experience as a lender and lessor, Pam understands and appreciates the credit risk and other business aspects of a financing and is a valuable resource in structuring debt and lease transactions.

Awards and Honors

  • Named the Best Lawyers' 2014 Palo Alto Banking and Finance Law "Lawyer of the Year"
  • Leading lawyer in Banking & Finance, Chambers USA (2011–2016)
  • Leading lawyer in banking law and structured finance law, The Best Lawyers in America (2007–2017)
  • Leading lawyer in bank lending, The Legal 500 (2012)
  • Leading lawyer in equipment finance law, The Best Lawyers in America (2011–2017)
  • Fellow, American College of Commercial Finance Lawyers (Executive Committee Officer, 2016 – present)
  • "Bitcoin and the Secured Lender," Banking & Financial Services Policy Report, (June 2014, co-authored with Christopher Masterson)
  • “Emerging Payment Systems Require New Learning By Creditors,” Law360, (January 2014, co-authored with Christopher Masterson)
  • “BankThink: The Hazards of Lending to Bitcoin Users,” American Banker, (January 2014, co-authored with Christopher Masterson)
  • “A Lease is a Lease is a … Loan? Avoiding Recharacterization,” LJN’s Equipment Leasing Newsletter (December 2012)
  • “Building a Solid Forbearance Arrangement,” Western Independent Banker (January/February 2010)
Memberships & Activities
  • Observer to Uniform Law Commission Drafting Committee on Regulation of Virtual Currency Business (2015-2017)
  • Co-chair, Women in Law Empowerment Forum Advisory Board
  • American Bar Association, Vice-chair of Secured Transactions Subcommittee
  • BuildOn West Coast Board
  • Past member, UCC Committee of the Business Law Section, State Bar of California, and chair of Subcommittee on Legal Opinions
News & Achievements
  • Speaker, Risks and Rewards in Processing Payments and Payment-Related Data, 28th Annual All Hands Meeting, Silicon Valley Association of General Counsel Santa Clara (November 2016 with David Teitelbaum)
  • Panel Member, Getting the Money – Roadmap of a Financing Transaction, ABA Webinar (January 2016)
  • Panel Member, Venture Debt: Uses, Trends and Terms, NVCA Corporate Venture Summit, Sunnyvale (October 2015)
  • Speaker on the subject of Intellectual Property Collateral at the Creditors’ Rights Subcommittee of the ABA, San Francisco (April 2015)
  • Panel Chair and Speaker, Bitcoin and Electronic Payment Platforms, ABA Annual Meeting, Chicago (August 2014)
  • Panel Chair and Speaker, Venture Lending, ABA Annual Meeting, San Francisco (August 2013)
  • Panel Member, Two’s Company, Three’s A Crowd: Tri-Party Agreements in Commercial Lending Transactions, ABA Annual Meeting, Chicago (August 2012)
  • Meeting co-chair and speaker, Security Interests, Collateral and Debtors at Home and Abroad: Beyond the DC Filing Office, ABA Annual Meeting (August 2010)