Joshua Rutstein

About

I'm a New York–based attorney focused on representing lenders and capital providers in asset-based and cash flow–driven financing transactions. My practice centers on secured lending, including ABL, factoring, and other receivables and working capital facilities, with a particular emphasis on the lower middle market. I advise private credit funds, specialty finance companies, and non-bank lenders on the structuring, documentation, and execution of credit facilities, as well as ongoing portfolio matters, restructurings and work outs. My experience spans revolving credit facilities, term loans, acquisition financings, and hybrid structures that bridge traditional ABL and cash flow lending. I'm particularly attuned to the operational realities of borrowers and the credit considerations unique to collateral-driven lending. Before founding my current practice, I practiced at King & Spalding, where I represented institutional private credit lenders in middle-market acquisition financings. I also have prior in-house experience on the borrower side, having operated within businesses that utilized factoring and ABL facilities. This dual perspective informs a pragmatic, commercially focused approach to dealmaking. I frequently work with lenders serving D2C, CPG, and other inventory- and receivables-heavy businesses. I'm active in industry organizations such as the Secured Finance Network Heycounsel, and a wider network within the private credit ecosystem. His practice is characterized by responsiveness, efficiency, and a deep understanding of the documentation and execution demands of active lending platforms.

Practice Areas

Featured Clients

Suncoast EnclosuresThe Vanity ProjectRuka StudioParkview AdvanceGreen StreetChintaly Imports

Services

• Debt Financing

  Represent creditors, borrowers, and fintech platforms in a range of commercial finance, private credit, and distressed debt matters, including term loan, ABL, working capital, factoring, receivables and cash flow financing, inventory/asset-based-financing, and mezzanine debt. Experienced in workouts, out-of-court restructuring, and navigating friction-points in any debt stack or transition.
  Contact
• Corporate and Financial Matters

  I have extensive experience with forming and advising corporations, limited liability companies and partnerships. We provide general counseling on structure, assist with formation of entities, and help advise on the financing and operations suited to each client’s specific needs.
  Contact
• Fractional General Counsel

  I act as a go-to legal partner for executives and founders needing counsel, or established legal departments seeking overflow support. Past clients include start-ups, restaurant groups, and e-commerce companies and agencies.
  Contact

Work

• 
  Partner

  Zandi Rutstein

  May 2021 - Present
• 
  Vice President, E-commerce & Legal

  Chintaly Imports

  May 2021 - Jan 2026
• 
  Associate

  King & Spalding

  Oct 2019 - May 2021

Education

• Cardozo School of Law
  Doctor of Law (J.D.) • 2019
• University of Delaware
  Bachelor of Arts (BA), Psychology, Political Science • 2014