Regions Bank v. VativoRx, LLC

2024 NY Slip Op 30331(U)
CourtNew York Supreme Court, New York County
DecidedJanuary 26, 2024
StatusUnpublished

This text of 2024 NY Slip Op 30331(U) (Regions Bank v. VativoRx, LLC) is published on Counsel Stack Legal Research, covering New York Supreme Court, New York County primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Regions Bank v. VativoRx, LLC, 2024 NY Slip Op 30331(U) (N.Y. Super. Ct. 2024).

Opinion

Regions Bank v VativoRx, LLC 2024 NY Slip Op 30331(U) January 26, 2024 Supreme Court, New York County Docket Number: Index No. 654741/2022 Judge: Melissa A. Crane Cases posted with a "30000" identifier, i.e., 2013 NY Slip Op 30001(U), are republished from various New York State and local government sources, including the New York State Unified Court System's eCourts Service. This opinion is uncorrected and not selected for official publication. INDEX NO. 654741/2022 NYSCEF DOC. NO. 289 RECEIVED NYSCEF: 01/26/2024

SUPREME COURT OF THE STATE OF NEW YORK NEW YORK COUNTY PRESENT: HON. MELISSA A. CRANE PART 60M Justice -----------------------------------X INDEX NO. 654741/2022 REGIONS BANK, BANKUNITED, N.A., FIRST HORIZON BANK, TRUSTMARK NATIONAL BANK, SANTANDER MOTION DATE N/A, N/A BANK, N.A., MOTION SEQ. NO. 009 010 012 Plaintiffs,

- V - DECISION + ORDER ON VATIVORX, LLC, MOTION

Defendant. --------------------------------------------------------------X

The following e-filed documents, listed by NYSCEF document number (Motion 009) 187, 188, 189, 190, 191, 192, 193, 194, 195, 196, 197, 198,199,200,228,229,230,231,232,233,243 were read on this motion to/for SUMMARY JUDGMENT(AFTER JOINDER

The following e-filed documents, listed by NYSCEF document number (Motion 010) 201, 202, 203, 204, 205,206,207,208,209,210,211,212,213,214,215,216,217,218,219,220,221,222,223,224,225, 226,227,234,236,237,238,239,240,241,242 were read on this motion to/for PARTIAL SUMMARY JUDGMENT

This commercial dispute arises from a December 29, 2021 Credit Agreement between

Plaintiffs Regions Bank, Bank.United, N.A., First Horizon Bank, Trustmark National Bank, and

Santander Bank (collectively, "Plaintiffs"), and Defendant VativoRx, LLC ("Defendant" or

"VativoRx"). Plaintiffs allege that Defendant defaulted under the agreement.

Factual Background

It is undisputed that Plaintiffs and Defendant entered into a Credit Agreement in December

2021, (Doc 189 [Credit Agreement]). Under the Credit Agreement's terms, Plaintiffs, as lenders,

extended $105 million in credit to Defendant as a borrower.

Under Section 7.1 (b ), Defendant was required to deliver to Plaintiffs audited financial

statements for its fiscal year ending December 31, 2021. The audited financial statements were to

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"be unqualified as to going concern and scope of audit," and were to be delivered no later than

May 30, 2022. Specifically, Section 7.l(b) provides the following:

(b) Audited Annual Financial Statements. Upon the earlier of the date that is one hundred and twenty (120) (or, solely in the case of the Fiscal Year ending on December 31, 2021, one hundred and fifty (150)) days after the end of each Fiscal Year and the date such information is filed with the SEC, (i) the consolidated balance sheets of the Borrower and its Subsidiaries as of the end of such Fiscal Year and the related consolidated statements of income, stockholders' equity and cash flows of the Borrower and its Subsidiaries for such Fiscal Year, setting forth in each case in comparative form the corresponding figures for the previous Fiscal Year, all in reasonable detail and prepared in accordance with GAAP, together with a Financial Officer Certification with respect thereto, and (ii) with respect to such consolidated financial statements a report thereon of independent certified public accountants of recognized national standing selected by the Credit Parties, which report shall be unqualified as to going concern and scope of audit, and shall state that such consolidated financial statements fairly present, in all material respects, the consolidated financial position of the Borrower and its Subsidiaries as of the dates indicated and the results of their operations and their cash flows for the periods indicated in conformity with GAAP applied on a basis consistent with prior years (except as otherwise disclosed in such financial statements) and that the examination by such accountants in connection with such consolidated financial statements has been made in accordance with generally accepted auditing standards;

(Doc 189 [Credit Agreement] at pg. 94, emphasis added)

Under Section 7.12(d)(i), Defendant was required to ensure that its deposit accounts were

subject to Account Control Agreements no later than April 28, 2022. Additionally, under Section

9. l(c), Defendant's failure to comply with either of the foregoing obligations in Section 7. l(b) and

Section 7.12(d)(i), is considered an event of default.

Specifically, Section 9.l(c) states:

(c) Breach of Certain Covenants. Failure of any Credit Party to perform or comply with any term or condition contained in Section 7 .1, Section 7.2, Section 7.6, Section 7.8, Section 7.9, Section 7.12, Section 7.13, Section 7.14 or Section .8.; or (Doc 189 [Credit Agreement] at pg. 109).

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Section 9 .2 detailed Plaintiffs' contractual rights upon the occurrence of an event of default,

including the right and ability to demand immediate repayment of all outstanding obligations

without any further notice or cure period. It is undisputed that Defendant did not provide the

audited financial statements by the deadline set forth in the Credit Agreement, in violation of

Section 7.l(b). It is further undisputed that Plaintiffs then granted defendant two 30-day

extensions to deliver the audited financials the Credit Agreement required, but that Defendant

nonetheless still failed to provide any final audited financial statements to Plaintiffs. Instead, after

the twice-extended deadline had passed, Defendant's auditors provided a "draft, non-final Audit"

to Plaintiffs on August 12, 2022. This draft audit also stated that there was "Substantial doubt

about the Company's ability to continue as a going concern" because "there can be no assurances

that the Company will be able to execute on [their] strategic shift to an alternative [manager] and

the ultimate resolution of' certain legal matters (Doc 233 [08/09/23 Email Delivery of Draft Audit]

at pg. 7). Thus, to this day, Defendant has failed to provide unqualified, final audited financial

statements.

On August 15, 2022, Plaintiffs notified Defendant that an Event of Default had occurred

and was continuing under Section 9.1 (c) of the Credit Agreement, because Defendant failed to

deliver annual audited financial statements without a going concern qualification by the date that

was set forth in the underlying Credit Agreement.

On August 26, 2022, the Administrative Agent sent a notice of implementation of default

rate. On September 23, 2022, the Administrative Agent sent a notice of acceleration and demanded

repayment of the underlying loans. The Administrative Agent's notice of acceleration (Doc 196)

outlined the Existing Events of Default, in Schedule A attached to the notice, that included the

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Defendant's breaches of Sections 7.l(b) and 7.12(d)(ii) of the Credit Agreement. Defendant

ultimately failed to repay the outstanding loan amounts.

Procedural Posture

Plaintiffs commenced this case by filing the Summons and Complaint on December 9,

2022.

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Bluebook (online)
2024 NY Slip Op 30331(U), Counsel Stack Legal Research, https://law.counselstack.com/opinion/regions-bank-v-vativorx-llc-nysupctnewyork-2024.