Connecting African Businesses with Strategic Private Capital for Secured and Unsecured Debt Solutions
We connect African enterprises with essential private capital, offering both secured and unsecured debt solutions. Our focus is on bridging the significant financing gap that hinders growth, enabling businesses across Sub-Saharan Africa to access the funds they need for sustainable development.
44 Million
In Sub-Saharan Africa, there are over 44 million formal small and medium-sized enterprises (SMEs) actively seeking funding to grow and expand their operations. (IFC)
$ 331 Billion
The SME financing gap in Africa is estimated to be around US$331 billion, highlighting the substantial unmet demand for credit that is crucial for business growth. (Brookings).
FULL SCOPE SERVICE
Unsecured debt offers the flexibility to raise capital without the need to tie up your assets as collateral. This option is ideal for businesses looking to maintain operational agility while securing the funds they need for growth. We leverage our deep market knowledge to facilitate these loans, ensuring you get favorable terms that align with your strategic goals. Typical criteria for qualifying include strong creditworthiness, a solid track record of revenue generation, and robust cash flow.
Common types of unsecured debt include term loans, revolving credit lines, and corporate bonds.
For businesses that prefer or require secured financing, we provide expertly structured debt solutions backed by guarantees, pledges, and insurance.
Our extensive experience with legal instruments across African jurisdictions ensures that your secured transactions are both robust and smoothly executed, giving you the security and confidence to focus on scaling your business.
Africa-Focused Private Credit Funds In Our Network
Billion In Dry Powder Ready For Strategic Deployment
In Deals Funded Since 2019 Through Our Platform
This typically occurs within 4-6 weeks for standard transactions, ensuring timely access to the required capital.
The process starts when the borrower requests a proposal. We evaluate the transaction to ensure it aligns with our lender mandates.
Financely issues a detailed proposal outlining the terms and structure of the potential deal. Once the borrower reviews and approves the proposal, they pay a retainer fee. This fee secures our services and initiates the process of moving the transaction forward.
With the retainer paid, Financely begins working on the distribution and closing process. We distribute the deal to our network of private credit investors, secure term sheets, and handle all the necessary arrangements to finalize the transaction.
The borrower approves the selected term sheet and finalizes any pledge agreements or loan agreements. Once all documents are signed and in place, the funds are disbursed to the borrower.
The terms in this document are indicative and reflect preliminary assessments based on our private credit fund mandates. These terms will be finalized after an exhaustive due diligence process and approval by the specific fund’s investment committee.
The borrower, typically a Special Purpose Entity (SPE) established solely for this transaction, must meet all outlined criteria. Any deviation from the SPE structure must be pre-approved by the lender, with potential additional conditions imposed.
Upon your request for a proposal and our subsequent issuance, the transaction is deemed to have preliminary funding viability under current market conditions. If, upon further review, the transaction is found non-fundable, your $500 USD retainer will be refunded in full.
If the final terms differ by more than ±1% in annual interest rates or if there are significant changes in collateral requirements from this indicative term sheet, the $39,500 USD origination fee will be fully refunded.
A Special Purpose Entity (SPE) established and registered in the relevant jurisdiction within Sub-Saharan Africa, solely for the purpose of this transaction. In rare cases where the borrower is not an SPE, additional protective covenants and conditions will apply.
Financely or directly through the private credit funds engaged in this transaction.
Varies depending on the transaction, typically ranging from $1,000,000 to $50,000,000 USD (or local currency equivalent, subject to agreed conversion rates and hedging strategies).
Typically ranging from 7.0% to 12.0% per annum (indicative, subject to final approval by the private credit fund’s investment committee and prevailing market conditions).
A grace period of up to 6 months may be granted before the commencement of principal repayments, allowing the borrower time to stabilize cash flows or complete necessary project milestones.
During this grace period, interest will continue to accrue at the agreed rate, with the first payment due at the end of the grace period.
As the borrower’s credit history improves and their business grows, they may be eligible for long-term refinancing options under more favorable terms.
This refinancing could include reduced interest rates, extended tenors, or a shift from secured to unsecured debt, depending on the borrower’s enhanced financial profile.
Such opportunities will be evaluated periodically, and the borrower is encouraged to request a refinancing review after demonstrating consistent performance and creditworthiness improvements over a minimum of 24 months.
3 to 7 years, with the possibility of extension up to 2 additional years based on borrower performance and lender discretion.
For Secured Debt:
For Unsecured Debt:
The Borrower shall maintain a business continuation plan, including key person insurance, disaster recovery, and contingency planning. The Borrower must provide periodic updates on the plan and promptly notify the Lender of any significant changes. Failure to maintain an adequate business continuation plan may result in a review of loan terms or additional covenants being imposed.
The Borrower commits to adhering to specified environmental, social, and governance (ESG) standards, including minimizing environmental impact, maintaining fair labor practices, and ensuring transparent corporate governance. The Borrower shall provide regular ESG compliance reports to the Lender. Failure to comply with these standards may lead to a review and adjustment of loan terms or the imposition of additional covenants.
If you have any remaining questions or need further clarification, we’re here to help. Schedule a consultation with our team to discuss your concerns and get personalized guidance. We're committed to ensuring you have all the information you need to move forward with confidence.
If you are already a client, please proceed with the payment of the necessary fees and upload your deal documents through our secure portal.
Once your documents are received, we will begin working on the prospectus and other offering documents required for the transaction.
We are actively expanding our lender network to include a wider array of funds and institutions, ensuring coverage across diverse industries and deal types. Our network already features some of the most renowned lenders, known for their expertise in areas such as infrastructure, renewable energy, and high-growth sectors like technology and healthcare.
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.
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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