Joshua S. Cole Counsel - Pullman & Comley
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Joshua S. Cole
Counsel
253 Post Road West • P.O. Box 3179 • Westport, CT 06880-8180
T: 203.330.2217 • F: 203.576.8888 • E: jcole@pullcom.com
Josh is an experienced and skilled commercial finance and commercial real estate attorney practicing in
Connecticut and New York. Over the course of his career, Josh has successfully closed hundreds of secured
and unsecured commercial finance transactions on both the borrower side and the lender side throughout
Connecticut and New York, including mortgage loans, construction loans, term loans, lines of credit, asset
based revolving credit facilities, equipment loans, mezzanine loans, letter of credit enhanced bond financings,
loan purchases and loan sales.
On the lender side, Josh regularly represents large national institutional lenders, regional institutional
lenders, community banks and private lenders. Josh’s lender clients appreciate his keen ability to analyze
risks that may become apparent during the course of a transaction and recommend practical solutions to
mitigate the lender’s risk.
On the borrower side, Josh routinely works with middle market companies and closely held and family owned
businesses in all types of industries including manufacturing, retail, food service, medical and professional
services, developers, property management companies, real estate investors, educational institutions, not-
for-profits, homeowner’s associations and unincorporated associations. Having been on the lender side of
hundreds of commercial finance transactions during the course of his career, Josh is able to leverage that
experience for his borrower clients and provide a high level of service and efficiency to help his clients
successfully and timely complete their financing transactions.
A significant part of Josh’s practice also includes commercial real estate transactions including acquisitions,
sales, and leasing. Josh regularly represents sellers, purchasers, landlords and tenants in connection with the
sale, purchase and leasing of all types of properties located in Connecticut and New York including office,
manufacturing, industrial, energy, education, retail, food service, and medical.
Prior to joining Pullman & Comley, Josh spent the first sixteen years of his career practicing with law firms
located in Westchester County, New York.
pullcom.com @pullmancomley
BRIDGEPORT HARTFORD SPRINGFIELD STAMFORD WATERBURY WESTPORT WHITE PLAINS
203.330.2000 860.424.4300 413.314.6160 203.324.5000 203.573.9700 203.254.5000 914.705.5355Joshua S. Cole
Practice Areas
Real Estate, Real Estate Finance, Real Estate Leasing, Commercial Finance
Experience
● Lender’s counsel for large regional institutional lender in connection with the closing of a $37 million
portfolio mortgage loan made to six co-borrowers and secured by six separate multifamily apartment
buildings located in Bronx, New York
● Lender’s counsel for large national institutional lender in connection with the closing of a $4.5 million
commercial mortgage loan secured by a retail and office property located in Fairfield County, Connecticut
● Lender’s counsel for large regional institutional lender in connection with the closing of a $10 million
commercial first mortgage loan and a $1,000,000 commercial second mortgage loan secured by a shopping
center located in Westchester County, New York
● Lender’s counsel for a national non-institutional lender in connection with the closing of a $4 million
commercial mortgage loan secured by properties located in Dutchess County, New York
● Borrower's counsel for a large regional fuel company and its subsidiaries in connection with the closing of
an $80,000,000 syndicate revolving credit facility with an international institutional lender
● Borrower’s counsel in connection with the $12 million financing of a commercial office park located in New
Haven County, Connecticut with a national life insurance company
● Borrower’s counsel for a not-for-profit corporation in connection with $25 million aggregate financing of a
commercial condominium unit located in New York City with an international institutional lender
● Borrower’s counsel for a not-for-profit corporation in connection with the $4.5 million financing of their
office and programing property located in Westchester County, New York with a regional institutional lender
● Borrower’s counsel in connection with the financing of retail and apartment properties located in Hartford
County, Connecticut with a regional institutional lender
● Landlord’s counsel for large regional commercial landlord in connection with the preparation and
negotiation of a pad lease for the ground up construction of a retail store in Litchfield County, Connecticut
leased to a national retailer
● Landlord’s counsel for large regional commercial landlord in connection with the preparation and
negotiation of a pad lease for the ground up construction of a retail store in Westchester County, New York
leased to a national retailer
● Tenant’s counsel for artist cooperative in connection with the negotiation of a lease for the renovation and
occupancy of a 34,000 square foot former factory building in Fairfield County, Connecticut to be used for
artist studios and exhibition spaceJoshua S. Cole
● Purchaser’s counsel for educational organization in connection with the acquisition, financing and
renovation of a former school building located in Litchfield County, Connecticut to be used for educational
programing
● Purchaser’s counsel for private school operator in connection with the acquisition of a campus of buildings
located in New York State to be used as a school for children with special needs
● Purchaser’s counsel for a manufacturing company in connection with the acquisition, financing and
renovation of an industrial building located in Westchester County, New York
● Seller’s counsel to a family owned real estate company in connection with the sale of a retail shopping
center in Westchester County, New York
● Seller’s counsel to a national REIT in connection with the sale of a commercial office building located in
Westchester County, New York
● Purchaser's counsel for four tenant in common entities in connection with the acquisition of four industrial
buildings located in New Haven County, Connecticut
Bar and Court Admissions
Connecticut
New York
U.S. District Court for the Southern District of New York
U.S. District Court for the Eastern District of New York
Education
Syracuse University College of Law, J.D.; 2002
Sacred Heart University, B.A., magna cum laude; 1998
Publications
Suburban Hubs Offer Possible Solution to Office Re-openings
New York Real Estate Journal, 07.07.2020Joshua S. Cole Alerts and Newsletters Connecticut CARES Small Business Grant Program Created to Help Small Businesses and Non-Profits Recover from Challenges of COVID-19 Pandemic 10.29.2020 Redefining "Class A" Office Buildings in the Age of COVID 10.12.2020 Executions On Commercial Evictions and Limited Residential Evictions Can Proceed Starting September 2, 2020 09.01.2020 Governor Lamont’s Executive Order 7OOO dated August 21, 2020 Extends Eviction Moratorium to October 1, 2020 and Increases Funding for Housing Assistance Programs 08.31.2020 Federal Reserve Board Expands Main Street Lending Program to Provide Loans for Nonprofit Organizations 07.21.2020 Governor Lamont Extends Eviction Moratorium and Provides Additional Relief to Tenants 07.09.2020 Main Street Lending Program: Summary as of May 20, 2020 05.20.2020 Federal Reserve Board Changes Some Loan Terms and Issues New Requirements for the Main Street Lending Program 05.05.2020 Federal Reserve Board Releases Details About Its Previously Announced Main Street Lending Program 04.13.2020 Governor Lamont’s Executive Order 7X dated 04-10-2020 Addresses Evictions and Real Estate Proceedings During COVID-19 Crisis 04.10.2020 An Overview of the Connecticut Department of Economic Community Development's (DECD) Small Business Express Recovery Bridge Loan Program 03.27.2020
Joshua S. Cole Steps Landlords and Property Owners Can Take to Respond to Challenges of COVID-19 03.19.2020 Professional Affiliations Connecticut Bar Association New York State Bar Association Fairfield County Commercial Brokers Network Real Estate Finance Association (REFA) Westchester County Bankers Association Community Involvement Town of Wilton - Board of Selectmen, July 2018 - present Wilton Chamber of Commerce - member of Board of Directors, September 2018 - present Town of Wilton - Zoning Board of Appeals, October 2014 – July 2018; chairman, December 2016 – July 2018; vice chairman, December 2015 - December 2016 Town of Wilton - Board of Selectmen Subcommittee on Town Counsel Selection, October 2016 - December 2016 Wilton Republican Town Committee, January 2015 - present; vice chairman, March 2018 - March 2020 2020 Connecticut Republican State Convention, delegate for Town of Wilton 2018 Connecticut Republican State Convention, delegate for Town of Wilton 2016 Connecticut Republican State Convention, delegate for Town of Wilton St. Margaret Shrine, Bridgeport - Finance Committee, January 2012 - April 2017
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