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About me

Milton H. Cross

Milton H. Cross brings to Spector Gadon & Rosen over 40 years of valuable hands-on experience in the areas of corporate, business, real estate and financial transactions.

Mr. Cross has represented sellers and buyers of businesses and real estate to successful conclusions in large and small, private and public transactions. Mr. Cross has worked with sellers and buyers of real estate and businesses to obtain investment bankers and lenders to successfully complete acquisitions. He represents numerous companies in their day-to-day legal requirements and corporate governance issues. He has counseled emerging companies in their securities and corporate financing needs, including capital formation for early stage and mid-size companies.

Mr. Cross has represented buyers, lenders and borrowers in connection with commercial loans, secured and unsecured, from $1,000,000 to $200,000,000, including loan agreements, workout agreements and ancillary documents, such as letters of credit, escrow agreements, guaranty agreements and construction development agreements. He has advised banks and borrowers on document preparation, lending requirements and practices and federal, state and local governmental financing sources, such as Pennsylvania Industrial Development Authority, Delaware River Port Authority, New Jersey Economic Development Authority, and Philadelphia Industrial Development Corporation. He represents lenders and borrowers in taxable and tax-free financing transactions.

Mr. Cross has written many published articles on business, real estate, financial and banking-related matters, and has regularly written articles titled "Recent Developments" for clients and professionals. He is a member of the Corporation, Banking and Business Law Committee, the Private Equity and Venture Capital Committee, the Legal Opinions Committee, the Committee on Commercial Finance, and the Loan Practices Subcommittee of the Real Estate Section of the American Bar Association. He has been selected to be on the American Bar Association Advisory Panel.  He is a member of the Mergers and Acquisitions Committee and the Business Organization Committee of the Philadelphia, PA Bar Association.  Mr. Cross has been awarded an AV Peer Review Rating by Martindale-Hubbell. The AV Peer Review Rating identifies a lawyer with a very high to preeminent legal ability. He is listed in Who's Who in American Law for 1995-2015 and has been selected by his peers as a Pennsylvania Super Lawyer in 2005-2015.  Mr. Cross was named in the Corporate Counsel edition of SuperLawyers as one of the top attorneys in corporate and securities law.

Mr. Cross has been selected as one of the Top Rated Lawyers in Mergers and Acquisitions by American Lawyer Media, who has teamed with Martindale-Hubbell to hightlight "Top Rated Lawyers" in their publication The American Lawyer and Corporate Counsel

Mr. Cross received a J.D. from Villanova University Law School and a B.S. in finance from the University of San Francisco


Practice areas


  1. Banking: 25%
  2. Financial Markets and Services: 25%
  3. Real Estate: 25%
  4. Mergers & Acquisitions: 25%

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Contact info

Spector Gadon & Rosen, P.C.

1635 Market St., 7th Floor
Philadelphia, PA, 19103


We have not found any instances of professional misconduct for this lawyer.
Avvo contributions
Legal answers
Award nameGrantorDate granted
Who's WhoWho's Who in American Law -Marquis2010
Pennsylvania Super LawyerPennsylvania Super Lawyer2009
Who's WhoWho's Who in American Law -Marquis2009
Who's WhoWho's Who in American Law - Marquis2008
Pennsylvania Super LawyerPennsylvania Super Lawyer2008
Who's WhoWho's Who in American Law -Marquis2007
Pennsylvania Super LawyerPennsylvania Super Lawyer2007
Pennsylvania Super LawyerN/A2006
Who's WhoN/A2006
Pennsylvania Super LawyerN/A2005
Who's WhoN/A2005
Who's WhoN/A2004
Who's WhoN/A2003
Who's WhoN/A2002
Who's WhoN/A2001
Who's WhoN/A2000
Who's WhoN/A1999
Who's WhoN/A1998
Who's WhoN/A1997
Who's WhoN/A1996
Who's WhoN/A1995
AV Peer Review RatingN/AN/A
Work experience
TitleCompany nameDuration
PartnerMonteverde & Hemphill1976 - 1995
General CounselAEL, Inc.1968 - 1975
Association namePosition nameDuration
Philadelphia Bar AssociationMemberN/A
Pennsylvania Bar AssociationMemberN/A
American Bar AssociationN/AN/A
Publication nameTitleDate
Recent Developments in the Law1998 - 2011N/A
School nameMajorDegreeGraduated
Villanova University School of LawLawJD - Juris DoctorN/A
University of San FranciscoFinanceBS - Bachelor of ScienceN/A