We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt or equity, submit your deal for review. We revert within one working day with next steps and either a quote for our services.
For pre-submission discussions, we offer paid consultations. To initiate underwriting and lender outreach, submit the deal.
Working Capital And Receivables Finance
If your business is profitable on paper but cash tight in reality, accounts receivable financing can close the gap. You get liquidity against eligible invoices, with a structure built around collections, concentration limits, and controls that capital providers can underwrite.
Financely runs a fixed decisioning process. You submit documents, we build a lender grade package, and route it to matched capital providers for term sheets or written declines. Start with How It Works or review our broader Trade Finance Services.
SMEs often grow into a working capital trap: payroll and suppliers are due now, while customers pay in 30 to 90 days. Accounts receivable financing converts a portion of eligible receivables into immediate cash so you can fund operations, accept larger orders, and stabilize cash flow.
There is no single product called “accounts receivable financing.” The structure depends on your buyers, invoice profile, concentration, and operational controls. Below are common structures used by capital providers.
| Structure | How It Works | Best For |
|---|---|---|
| Receivables Discounting | Borrow against eligible invoices, typically with borrowing base rules and reserves. | SMEs with recurring invoices and disciplined reporting. |
| Invoice Factoring | Sell receivables to a factor with defined eligibility and collections process. | Businesses that want a clean receivables sale structure. |
| Borrowing Base Revolver | Revolving line sized to receivables, sometimes combined with inventory for asset based lending. | Companies needing scalable working capital over time. |
| Confirmed Invoice Finance | Financing against invoices tied to confirmed delivery or acceptance signals. | Businesses with strong documentation and clear performance evidence. |
| Export Receivables Finance | Structure considers cross border payment risk, buyer country risk, and documentary controls. | Exporters selling to established overseas buyers. |
Key point: the “rate” is not the only variable. Eligibility, concentration limits, reserves, reporting cadence, and collections control decide whether a facility is stable and bankable.
A serious capital provider underwrites the buyer quality, invoice operability, dilution profile, and the controls that protect collections. If these inputs are weak, pricing is not the problem. The facility is not underwriteable.
We act as a transaction led capital advisory desk. The work is packaging, structuring, and decisioning. We do not run open ended consulting, and we do not run informal back and forth over chat threads.
A structured file that capital providers can evaluate quickly: receivables tape requirements, buyer mapping, performance history, and a clear controls plan.
We route the mandate to capital providers that fit your profile and structure. Output is a term sheet, or a written decline with a reason code when applicable.
Need the broader context? If your receivables are trade linked, see Trade Finance for related facility types and controls.
Our standard commercial mandate pricing is fixed and milestone based. It covers packaging, structuring, and managed lender decisioning. If the mandate requires jurisdiction specific licensing for execution, we coordinate execution through appropriately licensed partners under their approvals.
| Item | Commercial Terms | What You Receive |
|---|---|---|
| Mandate Fee | USD 49,500 total, payable in milestones | Packaging, structuring, and term sheet routing workflow |
| Milestones | USD 19,500 start, USD 15,000 on lender ready package delivery, USD 15,000 when outreach begins | Clear deliverables and decision points, not open ended advisory |
| Minimum Facility Size | USD 2,500,000 minimum requested facility size | Alignment to lenders that actually deploy for SMEs at scale |
If you have active invoices, identifiable buyers, and clean support documents, request indicative terms. We will revert with feasibility, a checklist, and an execution path sized to your timeline.
Factoring is one structure. Receivables financing can also be discounting, a borrowing base revolver, or a hybrid. The right option depends on buyer profile, documentation, concentrations, and control requirements.
Eligibility typically depends on buyer quality, invoice age, proof of delivery or acceptance, lack of disputes, and clear assignment or collections control terms. Capital providers also apply concentration limits and dilution reserves.
Our focus is commercial receivables for SMEs where invoices are verifiable and controls can be implemented. If you are unsure, submit the profile and we will revert with fit or a clear no.
We package the file to lender standards and route only to capital providers whose criteria match your buyer profile and structure. Where a fit is not present, you get a written decline with the gating reason when available.
For a receivables facility to close, the basics must be clean: receivables tape quality, buyer performance, dispute and dilution history, and a controls package that a lender can enforce. If you can provide those inputs, accounts receivable financing becomes a practical working capital tool for SMEs. If you need support selecting a structure, start with Contact Us or review What We Do.
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
To proceed,
request a quote
and receive indicative commercial terms. If you require guidance before engaging,
book a paid telephone consultation.
Security notice: we are aware of third parties using Financely’s name without authorization. Only emails sent from our official domains and communications through our portal are valid. Please verify any outreach before sharing documents or sending payments, and read our impersonation warning.
Email supportdesk@financely-group.com for general enquiries, press & partnership requests.
All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
Limited or non-recourse structures for energy and infrastructure with lender-ready materials.
Funding solutions aligned to project cash flows with credible covenants and conditions to reach notice to proceed.
Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
Funding across senior, unitranche, and preferred to match stable cash flows and acquisition timelines.
Get financed on workable terms for closing. Submit the RFQ to start underwriting.
Acquisition, development, bridge, and refinance with lender-ready packs and third-party reports managed.
Funding calibrated to DSCR, leverage, and tenancy with terms designed to close.
Move to a financeable package. Submit the RFQ to initiate underwriting for funding.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue. See our FAQ and Procedure.
Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagements may be carried out through Financely Group LLC, a non-deposit-taking, non-banking financial company; Ashford Capital Advisory LLC; or another related entity.
Financely and its affiliates are not registered as securities broker-dealers and do not execute securities transactions or hold client funds or securities. When a mandate involves the purchase or sale of securities and a registered intermediary is required, any orders are introduced to and executed by one or more independent U.S. broker-dealers registered with the SEC and FINRA. Those broker-dealers are solely responsible for trade execution, custody, and related regulatory obligations. Nothing in this material constitutes an offer, solicitation, or recommendation to buy or sell any security or to engage in any specific transaction. Before engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate, you are responsible for confirming that such engagement complies with your own legal, regulatory, tax, and other requirements. In the United States, certain advisory activities may be conducted in reliance on exemptions available under the Investment Advisers Act of 1940, including the “foreign private adviser” exemption where applicable. Our services and regulatory status may vary by jurisdiction and by transaction type.
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